Is a Lexus NX 250 expensive to insure?

Car insurance for a Lexus NX 250 is fairly affordable compared to other luxury vehicles, at just $223 per month. That's close to the national average for most passenger vehicles and reflects the NX's reputation for safety.

Why is car insurance higher on a Lexus?

Lexus vehicles have higher insurance rates than the national average because they cost more to repair, meaning that insurance companies have to pay out larger amounts if the insured vehicle is damaged or stolen. Luxury vehicles like Lexus tend to have more expensive tech components, even at base trim levels, and may be targets for theft.

Why is my car insurance $4000 a year?

The national average cost of car insurance is $2,671 per year, so a significantly higher annual premium of $4,000 indicates that insurance companies see you as a higher risk. This could be because you own an expensive vehicle, have accidents or tickets on your driving history, are under age 25, have poor credit or live in an area with a high number of collisions. If none of these factors apply to you, or you're not sure why your rates are so high, you may want to speak with a licensed insurance professional.

Car Insurance for Lexus NX 250

How much does it cost to insure a Lexus NX 250?

The average cost to insure a Lexus NX 250 is $223 per month for full coverage and $66 per month for state minimum coverage. That's close to the national average for both types of coverage.

Lexus NX 250 car insurance costs less than a lot of luxury car insurance because the NX's emphasis on safety helps to offset the added cost of its upscale tech and comfort features. Keep in mind that insurers also look at personal rating factors, such as driver experience and location, when issuing quotes for this vehicle.

$2,678 Avg annual full coverage
insurance premium

$797 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): From $42,460

Trims available: Base (Premium, Luxury and F Sport Handling packages available)

Repair costs

High repair costs are a key factor contributing to higher insurance costs for Lexus NX 250 owners. Even the base trim carries a high load of electronic components, meaning that post-collision repairs will cost your insurer more.

Safety features

All Lexus NX models come standard with Lexus's Safety System+ 3.0, which includes sophisticated systems for collision detection and mitigation, dynamic radar cruise control and Proactive Driving Assist. This tech can reduce your risk of claims and rate hikes.

Crash ratings

The 2025 Lexus NX is a Top Safety Pick from the Insurance Institute for Highway Safety, indicating that it's one of the safer vehicles on the road and may carry less risk for insurers.

Cheapest car insurance companies for a Lexus NX 250

Every insurance company uses different algorithms to calculate car insurance premiums, and your car's make and model aren't the only factors that impact costs. That's why the only way to find the cheapest car insurance company for a Lexus NX 250 is to compare rates based on your unique personal profile. To help you start, Bankrate analyzed average rates for our default driver profile.

How much does it cost to insure my NX 250?

According to Bankrate's analysis of average premium data from Quadrant Information Services, AAA and Cincinnati are among the most competitive insurers for Lexus NX 250 owners.

2023 NX 250 car insurance premium by carrier


AAA	$1,645	- $1,033
Cincinnati	$1,886	- $792
Nationwide	$1,883	- $795
Auto-Owners	$2,015	- $663
Progressive	$2,061	- $617

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Lexus NX 250

A basic full coverage policy may be enough for some NX owners, but it's typically a good idea to consider a wide range of coverage options that may offer valuable financial protection. If you're not sure how much insurance to buy, you may want to speak with a licensed agent to review some of the following coverage types:

High liability limits: Remember that your car's liability insurance is intended to protect your assets in the event that you're found responsible for injuries or property damage in a collision. Take stock of your financial assets and look for an insurer offering liability limits high enough to cover them.
Gap insurance or new car replacement: A new Lexus is a big investment, and your car insurance policy can help to protect it if your insurer offers a product like gap coverage or new car replacement.
Uninsured/underinsured motorist coverage: When another driver is responsible for a crash, your financial protection is only as good as that driver's liability insurance — unless you invest in coverage that helps to cover your medical costs when you're struck by an uninsured or underinsured driver.

How to get a Lexus NX 250 car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare the Lexus NX 250 with other similar cars

Lexus NX Avg annual full coverage premium $2,678 Read More	BMW X3 Avg annual full coverage premium $3,860 Read More	Toyota RAV4 Avg annual full coverage premium $2,391 Read More
Price (MSRP)
$42,260	$50,900	$29,550
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	4 stars	5 stars
Gas mileage
28 combined mpg	29 combined mpg	30 combined mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Average	Average	Better than average

Frequently asked questions

Car insurance for a Lexus NX 250 is fairly affordable compared to other luxury vehicles, at just $223 per month. That's close to the national average for most passenger vehicles and reflects the NX's reputation for safety.
Lexus vehicles have higher insurance rates than the national average because they cost more to repair, meaning that insurance companies have to pay out larger amounts if the insured vehicle is damaged or stolen. Luxury vehicles like Lexus tend to have more expensive tech components, even at base trim levels, and may be targets for theft.
The national average cost of car insurance is $2,671 per year, so a significantly higher annual premium of $4,000 indicates that insurance companies see you as a higher risk. This could be because you own an expensive vehicle, have accidents or tickets on your driving history, are under age 25, have poor credit or live in an area with a high number of collisions. If none of these factors apply to you, or you're not sure why your rates are so high, you may want to speak with a licensed insurance professional.

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.