Lexus NX Insurance Cost

Full coverage for a Lexus NX costs about $1,425 a year ($119/month) by our estimate — ▼ −10% versus the average vehicle, ranking 59th cheapest of 310 current models.

Lexus NX exterior (photo from Wikimedia Commons) — Photo: Kevauto, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Lexus NX insurance cost at a glance

Full coverage

$1,425

$119/mo · $1,170–$1,685

Minimum liability

$505

$42/mo

Segment

Luxury SUV

Gasoline, Hybrid, Plug-in hybrid

HLDI collision losses

104

Average (100 = avg)

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2015–2026 model years of the Lexus NX.

Estimated Lexus NX premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$505	$42	$415–$600
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$735	$61	$600–$865
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,425	$119	$1,170–$1,685

What drives the cost of insuring a Lexus NX

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Lexus NX's results put our vehicle factor at 0.83× for liability, 1.09× for collision and 0.92× for comprehensive.

HLDI relative insurance losses — Lexus NX 350 4dr 4WD (Midsize Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	104	Average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	85	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	73	Much better than average	Damage this car does to other vehicles and property
Bodily injury liability	74	Much better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	95	Better than average	Injuries to occupants of this car (claim frequency)
Medical payments	94	Better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (5)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Lexus NX 350 4dr 4WD	104	85	73	74
Lexus NX 350 hybrid 4dr 4WD	101	92	75	81
Lexus NX 250 4dr	102	75	79	—
Lexus NX 450 plug-in hybrid 4dr 4WD	100	90	77	—
Lexus NX 250 4dr 4WD	104	—	110	—

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Recalls & complaints: 8 NHTSA recall campaigns and 70 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Lexus NX trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
NX 350 AWD	AWD	2.4L 4-cyl Turbo	24
NX 350 AWD F Sport	AWD	2.4L 4-cyl Turbo	24
NX 350h	FWD	2.5L 4-cyl Hybrid	40
NX 350h AWD	AWD	2.5L 4-cyl Hybrid	39

Lexus NX insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.4L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD, FWD	24–40	$1,425
2025	2.4L 4-cyl Turbo, 2.5L 4-cyl, 2.5L 4-cyl Hybrid	AWD, FWD	24–39	$1,395
2024	2.4L 4-cyl Turbo, 2.5L 4-cyl, 2.5L 4-cyl Hybrid	AWD, FWD	24–39	$1,360
2023	2.4L 4-cyl Turbo, 2.5L 4-cyl, 2.5L 4-cyl Hybrid	AWD, FWD	25–39	$1,330
2022	2.4L 4-cyl Turbo, 2.5L 4-cyl, 2.5L 4-cyl Hybrid	AWD, FWD	25–39	$1,295
2021	2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD, FWD	24–31	$1,265
2020	2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD, FWD	24–31	$1,230
2019	2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD, FWD	24–31	$1,200
2018	2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD, FWD	24–31	$1,165
2017	2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD, FWD	24–31	$1,135
2016	2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD, FWD	24–32	$1,100
2015	2.0L 4-cyl Turbo, 2.5L 4-cyl Hybrid	AWD, FWD	24–32	$1,095

Lexus NX insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.

State	Full coverage	Minimum	vs. national
Alabama	$1,255	$395	−12%
Alaska	$1,255	$515	−12%
Arizona	$1,485	$545	+4%
Arkansas	$1,280	$370	−10%
California	$1,425	$475	0%
Colorado	$1,615	$540	+13%
Connecticut	$1,505	$585	+6%
Delaware	$1,560	$660	+9%
District of Columbia	$1,810	$610	+27%
Florida	$1,980	$890	+39%
Georgia	$1,735	$720	+22%
Hawaii	$1,000	$360	−30%
Idaho	$970	$330	−32%
Illinois	$1,245	$410	−13%
Indiana	$1,020	$335	−28%
Iowa	$985	$255	−31%
Kansas	$1,150	$330	−19%
Kentucky	$1,195	$435	−16%
Louisiana	$1,960	$655	+38%
Maine	$920	$350	−35%
Maryland	$1,595	$620	+12%
Massachusetts	$1,410	$490	−1%
Michigan	$1,565	$630	+10%
Minnesota	$1,195	$390	−16%
Mississippi	$1,370	$440	−4%
Missouri	$1,300	$420	−9%
Montana	$1,150	$325	−19%
Nebraska	$1,155	$335	−19%
Nevada	$1,600	$715	+12%
New Hampshire	$1,025	$330	−28%
New Jersey	$1,690	$770	+19%
New Mexico	$1,285	$430	−10%
New York	$1,885	$765	+32%
North Carolina	$1,090	$370	−24%
North Dakota	$935	$230	−34%
Ohio	$1,030	$335	−28%
Oklahoma	$1,300	$390	−9%
Oregon	$1,260	$515	−12%
Pennsylvania	$1,260	$350	−12%
Rhode Island	$1,705	$675	+20%
South Carolina	$1,500	$605	+5%
South Dakota	$1,110	$260	−22%
Tennessee	$1,200	$375	−16%
Texas	$1,695	$570	+19%
Utah	$1,280	$540	−10%
Vermont	$950	$260	−33%
Virginia	$1,230	$515	−14%
Washington	$1,230	$485	−14%
West Virginia	$1,205	$360	−15%
Wisconsin	$980	$305	−31%
Wyoming	$1,135	$270	−20%

Lexus NX insurance by driver profile

Estimated annual Lexus NX premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,395	$2,020	$3,920	$327
Young adult (22)	$810	$1,175	$2,280	$190
Adult in their 30s	$505	$735	$1,425	$119
Adult in their 50s	$465	$675	$1,310	$109
Senior (72)	$565	$820	$1,595	$133
30s, one at-fault accident	$735	$1,065	$2,070	$173
30s, DUI on record	$935	$1,360	$2,640	$220

Lexus NX vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Lexus NX	$1,425	104	85	—
BMW X3	$1,565	108	92	—
BMW X5	$1,690	120	142	—
Audi Q7	$1,570	123	131	—

Estimate Lexus NX insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Lexus models

ES $1,590/yr
GX $1,180/yr
IS $1,835/yr
LC $1,820/yr
LS $2,225/yr
LX $1,530/yr
RX $1,445/yr
RZ $1,725/yr
TX $1,400/yr
UX $1,485/yr
RC $1,590/yr
GS $1,520/yr
CT $1,395/yr
HS $1,345/yr
LFA $1,580/yr
SC $1,580/yr

All Lexus insurance costs →

Frequently asked questions

How much is insurance for a Lexus NX?

We estimate about $1,425 a year ($119 a month) for full coverage and $505 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 10% less than the average vehicle.

Is the Lexus NX expensive to insure?

HLDI insurance-loss data rates it at 104 for collision and 85 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.

Which state is cheapest to insure a Lexus NX?

Maine has the lowest estimate (about $920 a year for full coverage) and Florida the highest (about $1,980).

Is the Lexus NX cheaper to insure than the BMW X3?

By our estimate the Lexus NX costs about $1,425 a year versus $1,600 for the BMW X3, making it the cheaper of the two to insure.

How much is Lexus NX insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,920 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page