The Lexus NX is a compact luxury crossover SUV that first debuted in the U.S. in 2014. The 2026 Lexus NX is designed for an active urban lifestyle. No matter which type of NX you drive, it needs to be protected with the right car insurance.
When it's time to find the best Lexus NX insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Lexus NX at a great rate. But first, here's a closer look at how much it costs to insure a Lexus NX by model year and top-rated insurance company in 2026.
Key Takeaways - Lexus NX Car Insurance
- Lexus NX 300H insurance costs an average of $2,020 per year, or approximately $168 per month, for full coverage in 2026.
- Lexus NX 200T insurance averages $1,782 per year, or approximately $149 per month, for full coverage in 2026.
- Lexus NX insurance costs vary considerably by state, with good drivers in Hawaii paying an average of only $1,226 annually for full coverage, while those in Michigan pay $5,306.
- Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Lexus NX model.
What Is Lexus NX Insurance?
Lexus NX insurance is a car insurance policy that includes customized coverage options for your specific vehicle. As a compact luxury crossover SUV, the NX may require additional coverage beyond that of standard sedans. However, the NX's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Lexus NX drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car caused by non-collision events, such as a flood or theft.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance if your vehicle breaks down on the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
Add-on coverage options worth considering for a Lexus NX:
- Gap insurance: If you have a new or financed Lexus vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Lexus warranty insurance: This can extend Lexus's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Lexus parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
A local independent insurance agent can help you get equipped with all the required Lexus NX insurance in your state. Having at least the minimum required auto insurance helps you avoid penalties like state fines and more.
How Much Does Lexus NX Insurance Cost?
The average cost of car insurance for a Lexus NX 300H is $2,020 per year, or approximately $168 per month, for full coverage. Coverage for a Lexus NX 200T averages $1,782 per year, or approximately $149 per month. However, several factors can influence the cost of NX insurance, including:
- The specific type of NX you drive
- Your claims history
- Vehicle safety features
- Your driving history
- Your location
- Annual mileage
- The types and amount of coverage you need
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Lexus NX full coverage insurance or a basic Lexus NX liability insurance policy. They can also help you compare rates for different models, including Lexus NX 200T car insurance costs, Lexus NX 350 car insurance costs, Lexus NX 300 car insurance costs, Lexus NX 350H car insurance costs, and Lexus NX 300H car insurance costs.
Is the Lexus NX Expensive to Insure?
No, the Lexus NX isn't expensive to insure on average. The average monthly cost of Lexus NX 300H auto insurance is $168, which is lower than the average monthly cost of car insurance for all Lexus models and other vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
|---|---|
| Lexus NX | $168 |
| All Lexus | $174 |
| All Cars | $175 |
Lexus NX Insurance Costs by Model Year
Next, we'll break down several model years of the Lexus NX and the average insurance costs for each.
| Model | Average Annual Cost of Full Coverage |
|---|---|
| 2026 Lexus NX* | $2,185 |
| 2025 Lexus NX | $1,331 |
| 2024 Lexus NX | $1,121 |
| 2023 Lexus NX | $1,271 |
| 2022 Lexus NX | $1,078 |
| 2021 Lexus NX | $951 |
| 2020 Lexus NX | $926 |
| 2019 Lexus NX | $793 |
| 2018 Lexus NX | $949 |
| 2017 Lexus NX | $801 |
| 2016 Lexus NX | $793 |
| 2015 Lexus NX | $922 |
*Note: The 2026 NX's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Lexus NX 300H Car Insurance Companies for 2026
Affordable Lexus NX insurance is available from many different insurers across the country. These top-rated car insurance companies provide the cheapest model-year 2021 Lexus NX 300H insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
|---|---|
| Progressive | $1,700 |
| American Family | $1,701 |
| USAA | $1,998 |
| Erie | $2,030 |
| Nationwide | $2,071 |
| Allstate | $3,587 |
Cheapest Lexus NX 200T Car Insurance Companies for 2026
These top-rated car insurance companies provide the cheapest model-year 2017 Lexus NX 200T insurance in 2026.
| Car Insurance Company | Average Annual Full Coverage Premium |
|---|---|
| Progressive | $1,484 |
| USAA | $1,495 |
| American Family | $1,538 |
| Erie | $1,667 |
| Nationwide | $1,858 |
| Allstate | $2,419 |
Lexus NX Car Insurance Rates by State and Driver Profile
Location plays a major role in car insurance premium calculations. Other factors that can influence car insurance costs include your driving history and credit. Here are some average auto insurance rates for the Lexus NX by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
|---|---|---|---|
| Alabama | $2,807 | $4,077 | $5,190 |
| Alaska | $2,322 | $3,219 | $3,129 |
| Arizona | $2,625 | $3,795 | $5,591 |
| Arkansas | $2,878 | $4,522 | $4,979 |
| California | $3,205 | $5,667 | $3,205 |
| Colorado | $2,991 | $4,185 | $5,310 |
| Connecticut | $3,821 | $5,926 | $7,522 |
| Delaware | $3,163 | $4,215 | $5,414 |
| Florida | $3,766 | $5,210 | $6,789 |
| Georgia | $3,070 | $4,591 | $4,629 |
| Hawaii | $1,226 | $1,665 | $1,226 |
| Idaho | $2,131 | $2,825 | $3,434 |
| Illinois | $2,230 | $3,371 | $3,844 |
| Indiana | $2,291 | $3,503 | $3,931 |
| Iowa | $1,815 | $2,489 | $2,927 |
| Kansas | $2,415 | $3,513 | $4,109 |
| Kentucky | $3,491 | $5,124 | $6,051 |
| Louisiana | $4,481 | $6,773 | $7,344 |
| Maine | $1,694 | $2,342 | $3,458 |
| Maryland | $2,742 | $3,991 | $4,433 |
| Massachusetts | $2,199 | $3,836 | $2,199 |
| Michigan | $5,306 | $8,086 | $12,754 |
| Minnesota | $2,184 | $2,912 | $4,101 |
| Mississippi | $2,637 | $3,761 | $3,785 |
| Missouri | $2,484 | $3,552 | $4,666 |
| Montana | $2,526 | $3,525 | $4,103 |
| Nebraska | $2,135 | $3,158 | $3,431 |
| Nevada | $3,522 | $5,224 | $5,519 |
| New Hampshire | $2,450 | $3,874 | $4,898 |
| New Jersey | $2,699 | $4,235 | $5,542 |
| New Mexico | $2,757 | $4,100 | $4,256 |
| New York | $2,553 | $3,215 | $5,367 |
| North Carolina | $1,583 | $2,719 | $1,939 |
| North Dakota | $2,166 | $3,292 | $3,893 |
| Ohio | $1,931 | $2,979 | $3,054 |
| Oklahoma | $3,084 | $4,416 | $4,972 |
| Oregon | $2,806 | $3,766 | $4,498 |
| Pennsylvania | $2,364 | $3,471 | $4,061 |
| Rhode Island | $3,947 | $5,789 | $6,519 |
| South Carolina | $2,680 | $3,715 | $5,127 |
| South Dakota | $2,405 | $3,465 | $3,998 |
| Tennessee | $2,828 | $4,163 | $5,544 |
| Texas | $2,848 | $4,115 | $5,118 |
| Utah | $2,423 | $3,395 | $4,672 |
| Vermont | $1,865 | $2,872 | $3,036 |
| Virginia | $1,757 | $2,698 | $2,644 |
| Washington | $2,326 | $3,157 | $3,769 |
| West Virginia | $2,340 | $3,351 | $4,199 |
| Wisconsin | $2,333 | $3,642 | $4,154 |
| Wyoming | $2,178 | $3,049 | $3,247 |
Average Lexus NX Insurance Rates by Driver Age and Profile
Your age also plays a major role in car insurance premium calculations. Teens and young drivers are likely to pay the highest average Lexus NX insurance rates. Car insurance premiums typically begin to drop dramatically around age 25.
However, once a driver reaches about age 65, car insurance costs begin to climb through their senior years. Here are some average Lexus NX insurance rates by driver age and profile for 2026.
| Age | Clean Record | Accident on Record | Poor Credit |
|---|---|---|---|
| 18 | $8,364 | $12,282 | $14,368 |
| 20 | $6,445 | $9,464 | $11,072 |
| 25 | $3,776 | $5,545 | $6,487 |
| 30 | $2,942 | $4,319 | $5,053 |
| 35 | $2,755 | $4,045 | $4,733 |
| 40 | $2,650 | $3,891 | $4,552 |
| 45 | $2,578 | $3,786 | $4,429 |
| 55 | $2,365 | $3,472 | $4,062 |
| 65 | $2,467 | $3,622 | $4,237 |
| 75 | $3,113 | $4,571 | $5,348 |
Best Lexus NX Insurance Discounts: How to Lower Your Lexus NX Insurance Premiums
Following any of the tips below can help you increase your Lexus NX auto insurance savings today:
- Ask about Lexus NX insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Lexus may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Lexus NX insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Lexus NX insurance from a trusted carrier near you.
Local independent insurance agents can recommend additional strategies to help maximize your savings on Lexus NX auto insurance.
An Independent Insurance Agent Can Help You Get the Best Lexus NX Insurance Quotes
When it's time to find the most affordable Lexus NX insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Lexus NX insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And in the future, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Lexus NX Insurance
How much does Lexus NX insurance cost per year?
The average annual cost of full coverage for a Lexus NX 300H is $2,020 per year, or approximately $168 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Lexus NX insurance premiums?
Living in a high-theft rate area, having prior claims, poor credit, or accidents and other traffic violations on your record can all increase the cost of Lexus NX insurance.
Is the Lexus NX expensive to insure compared to other Lexus models?
No, the Lexus NX isn't expensive to insure compared to other Lexus models. The average monthly cost of insurance for the Lexus NX is $168, while other Lexus models average $174.
What are the best and cheapest carriers for Lexus NX 300H insurance in 2026?
We found that Progressive, USAA, and American Family are the best and cheapest car insurance companies for model-year 2021 Lexus NX 300H insurance this year.
What are the best and cheapest carriers for Lexus NX 200T insurance in 2026?
We found that USAA, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2017 Lexus NX 200T insurance this year.
How can I get cheaper Lexus NX insurance?
Finding cheaper Lexus NX insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/lexus-nx-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/lexus/nx-300h/
https://www.thezebra.com/auto-insurance/vehicles/lexus/nx-200t/
https://caredge.com/lexus/nx/insurance