How much is insurance on a Lexus NX?

A 2024 Lexus NX runs about $2,110 a year for a typical 45-year-old, $170 more than an average car of the same age: higher costs to fix or replace outweigh less damage to others' property. Putting a new 16-year-old on a family policy with the NX adds about $1,400 a year (#3 of 9 midsize luxury SUVs we compare).

2024 Lexus NX (NX 250), national average

about $2,110 a year (about $175 a month)

Estimated range: $1,350–$3,200. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2022 NX drops to about $1,970 (see the table below).

A Lexus NX from the 2022–present generation. Photo: Wlb5V, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 NX 250, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Lexus NX's rank is the same in every state.

Why the Lexus NX costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Lexus NX 250 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 102 for crash repairs, 75 for non-crash damage, and 79 for damage to others' property.

Crash repairs (collision)fixing this car after a crashAverage2% worse than average4th best of the 9 midsize luxury SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average25% better than average2nd best of the 9 midsize luxury SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average21% better than average4th best of the 9 midsize luxury SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costInsufficient dataNo result from HLDI for this model

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

HLDI doesn't publish a result for injuries to others on this model, so it's marked “Insufficient data”.

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Lexus NX comes out about 6% better than average. Published prices for luxury makes like this one run higher than their loss results alone suggest, so we also add a smaller version of an adjustment we fitted to those prices (how much smaller is our estimate). With it, the part of the bill that fixes the car is about 29% more than average: about $1,230 a year vs $950. On the liability side, HLDI publishes damage to others' property but not injury claims for the Lexus NX, so we go by that one result: about 21% better than average. We count about half, so that part is about 11% less: $880 a year vs $990.

How the math works

In EPA size classes, the NX is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Lexus NX is benchmarked against midsize luxury SUVs.

Expensive and electric cars can cost more or less to insure than their repair records suggest.

Matched to HLDI series “Lexus NX 250 4dr” (HLDI, 2022–24 models).

A used Lexus NX, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 NX 250 (0–3 years old)	about $2,110	about $880	+$1,400	about $6,070
2022 NX 250 (4–7 years old)	about $1,970	about $880	+$1,300	about $5,640

Our catalog covers the Lexus NX across model years 2015–2026. Full coverage on a used 2022 NX (4–7 years old) runs about $1,970 a year, $150 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $880 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Lexus NX trims, full coverage goes from about $2,100 a year on the NX 350 AWD to about $2,320 on the NX 250 AWD, because HLDI's loss results differ by body, drive, or powertrain.

NX 350 AWD; NX 350 AWD F Sport: about $2,100
NX 250: about $2,110
NX 450h Plus AWD; NX 350h AWD: about $2,120
NX 250 AWD: about $2,320

On a policy of their own with a 2024 Lexus NX, a 22–25-year-old pays about $2,750 a year ($640 more than a 45-year-old), a 26–39-year-old about $2,350, and a driver 65 and older about $2,220.

Adding a 16-year-old with a Lexus NX

A new driver costs more with any car, and more than usual with the Lexus NX: adding a 16-year-old raises the family bill by about $1,400 a year ($115 a month), $110 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,070 a year ($4,670 more than adding them to the family policy).

For adding a teen driver, the Lexus NX ranks 28th most expensive out of all 121 models we track. Stepping down to a used 2022 NX (4–7 years old) brings the teen add-on to about $1,300 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize luxury SUVs

Among these 9 midsize luxury SUVs, the Lexus NX is the 3rd least expensive to insure. Right next to it are the Acura MDX (about $2,030 a year) and the Lexus RX (about $2,130).

Photos from Wikimedia Commons contributors. Photo credits.

What a Lexus NX costs in your state

In six sample states, a 2024 Lexus NX runs from about $1,410 a year in Vermont through Indiana, Kentucky, Arkansas and South Carolina to about $2,790 in New York:

Vermontabout $1,410/yr · +$930 teen
Indianaabout $1,520/yr · +$1,000 teen
Kentuckyabout $1,780/yr · +$1,170 teen
Arkansasabout $1,900/yr · +$1,260 teen
South Carolinaabout $2,230/yr · +$1,470 teen
New Yorkabout $2,790/yr · +$1,840 teen

All 50 states and DC · Updated November 5, 2026.

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