Cheap Lexus NX Car Insurance in 2024 (Unlock Big Savings From These 10 Companies!)
State Farm, Progressive, and Nationwide provide the best cheap Lexus NX car insurance, with State Farm's rates starting at $85 per month. These insurers are known for their competitive pricing, extensive coverage options, and high customer satisfaction, making them the top choices for insuring your Lexus NX.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 4, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,760 reviewsCompany Facts
Min. Coverage for Lexus NX
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
13,128 reviewsCompany Facts
Min. Coverage for Lexus NX
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
3,019 reviewsCompany Facts
Min. Coverage for Lexus NX
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviewsThe top picks for cheap Lexus NX car insurance are State Farm, Progressive, and Nationwide. These insurers provide excellent value through affordable rates and comprehensive coverage options.
Explore the highlights how these companies excel in customer service, coverage flexibility, and financial reliability, guiding you to make the best choice for your Lexus NX.
Our Top 10 Company Picks: Cheap Lexus NX Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $85 | B | Customer Service | State Farm |
 | #2 | $88 | A+ | Qualifying Coverage | Progressive |
 | #3 | $92 | A+ | Usage-Based Coverage | Nationwide |
 | #4 | $95 | A+ | Infrequent Drivers | Allstate |
 | #5 | $98 | A | Add-on Coverages | Liberty Mutual |
 | #6 | $100 | A | Customizable Policies | Farmers |
 | #7 | $103 | A | Costco Members | American Family |
 | #8 | $107 | A++ | Bundling Policies | Travelers |
 | #9 | $110 | A+ | Exclusive Benefits | The Hartford |
 | #10 | $115 | A | Roadside Assistance | AAA |
By comparing these top providers, you can find the ideal balance of protection and cost-effectiveness for your insurance needs.
Explore your auto insurance options by entering your ZIP code into our free comparison tool above today.
- State Farm offers the best value for Lexus NX car insurance at $85/month
- Lexus NX insurance costs are influenced by the vehicle’s luxury status
- Advanced safety features in the Lexus NX can reduce insurance premiums
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#1 – State Farm: Top Overall Pick
Pros
- Wide Range of Discounts: Our State Farm insurance review & ratings highlight various discount options that can significantly reduce premiums for Lexus NX owners.
- Comprehensive Coverage Options: Offers a wide range of policies tailored to the needs of Lexus NX drivers.
- Multi-Policy Discounts: Offers significant savings when bundling home and auto policies, benefiting Lexus NX drivers.
Cons
- Higher Premiums: Rates can be higher for younger Lexus NX drivers.
- Limited Availability: Not all discounts are available in every state.
#2 – Progressive: Best for Safe Driver Discounts
Pros
- Competitive Pricing: Based on our Progressive insurance review & ratings, the company is known for offering affordable rates for Lexus NX insurance.
- Comprehensive Coverage Options: Provides a wide range of policy options tailored to the Lexus NX.
- Snapshot Program Rewards: Offers discounts for safe driving habits.
Cons
- Customer Service is Inconsistent: Mixed reviews on support quality for Lexus NX policyholders.
- Higher Rates: Premiums can be steep for Lexus NX owners with poor driving records.
#3 – Nationwide: Best for Financial Stability
Pros
- Strong Financial Stability: According to our Nationwide insurance review & ratings, the company is highly rated for financial strength, ensuring reliable coverage for Lexus NX.
- Excellent Customer Service: Noted for responsive and helpful support.
- Vanishing Deductible: Rewards safe driving by reducing deductibles over time.
Cons
- Limited Availability: Some discounts may not be accessible in all areas.
- Higher Premiums: Can be more expensive for comprehensive Lexus NX policies.
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#4 – Allstate: Best for Digital Tools
Pros
- Comprehensive Coverage Options: Offers a wide range of insurance products for Lexus NX.
- Robust Online Tools: Provides extensive digital policy management resources.
- Deductible Rewards Program: For our Allstate insurance review & ratings, safe driving lowers deductibles.
Cons
- Higher Premiums: Rates can be higher compared to some competitors.
- Mixed Customer Service Reviews: Inconsistent feedback on support quality for Lexus NX insurance.
#5 – Liberty Mutual: Best for Coverage Options
Pros
- Wide Range of Coverage Options: Extensive policy offerings for diverse needs of Lexus NX owners.
- Advanced Discounts: Offers savings for vehicles with modern safety technology.
- Convenient Online Tools: Explore our Liberty Mutual insurance review & ratings to find easy-to-use digital management tools.
Cons
- Higher Premiums: Can be costly for younger or high-risk Lexus NX drivers.
- Claims Handling: Varied feedback on the claims process efficiency.
#6 – Farmers: Best for Customizable Policies
Pros
- Strong Customer Service: Within our Farmers insurance review & ratings, you’ll find high ratings for support and responsiveness for Lexus NX owners.
- Customizable Coverage Options: Flexible policies tailored to individual needs of Lexus NX drivers.
- Multiple Discounts Available: Offers a variety of savings opportunities for Lexus NX insurance.
Cons
- Higher Premiums: Generally more expensive for Lexus NX.
- Limited Online Services: Not as robust in digital policy management tools for Lexus NX insurance.
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#7 – American Family: Best for Competitive Rates
Pros
- Competitive Rates: Discover our American Family insurance review & ratings, often offering lower premiums for Lexus NX.
- Strong Customer Service: Noted for helpful and responsive support for Lexus NX owners.
- Extensive Discount Options: Numerous ways to save on Lexus NX premiums.
Cons
- Availability by State: Not all Lexus NX coverage options are available everywhere.
- Limited Online Tools: Less advanced digital services compared to other providers for Lexus NX insurance.
#8 – Travelers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Take a look at our Travelers insurance review & ratings for a wide range of policies for Lexus NX.
- Strong Financial Stability: Highly rated for financial health ensuring reliability for Lexus NX insurance.
- Advanced Online Tools: User-friendly digital management resources for Lexus NX policies.
Cons
- Higher Premiums: Can be costly for comprehensive Lexus NX policies.
- Mixed Customer Service: Inconsistent feedback on support quality for Lexus NX insurance.
#9 – The Hartford: Best for AARP Members
Pros
- Specialized Coverage Options: Tailored policies for various needs of Lexus NX owners.
- Excellent Customer Service: High ratings for support and claims handling for Lexus NX insurance.
- AARP Member Benefits: With regard to our The Hartford insurance review & ratings, there are additional perks for AARP members who own a Lexus NX.
Cons
- Higher Premiums: Can be more expensive for Lexus NX without membership.
- Limited Availability: Some Lexus NX insurance options may not be available in all states.
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#10 – AAA: Best for Member Benefits
Pros
- Competitive Rates: Often offers affordable premiums for Lexus NX insurance.
- Extensive Member Benefits: Additional perks for AAA members who own a Lexus NX.
- Strong Customer Service: Highly rated for support and assistance for Lexus NX policyholders.
Cons
- Membership Discounts: Must be a AAA member to access certain Lexus NX savings.
- Limited Coverage: View our AAA insurance review & ratings, noting that availability of Lexus NX insurance can vary by region.
Key Factors in Choosing Lexus NX Insurance
When selecting an insurance provider for your Lexus NX, consider the company’s financial stability and market reputation to ensure reliable coverage and efficient claims processing. Evaluate customer service quality, seeking insurers with accessible and responsive support. Assess the overall value of the insurance policy, considering coverage options, deductibles, and discounts.
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Annual mileage impacts premiums; lower mileage can lead to discounts with mileage-based car insurance. Maintain a good credit score, use discounts, review coverage needs, and consider higher deductibles. Understand no-fault insurance laws in your state, as they influence costs. Compare quotes to find affordable insurance for your Lexus NX.
Lexus NX Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $115 | $165 |
| Allstate | $95 | $135 |
| American Family | $103 | $150 |
| Farmers | $100 | $145 |
| Liberty Mutual | $98 | $140 |
| Nationwide | $92 | $130 |
| Progressive | $88 | $125 |
| State Farm | $85 | $120 |
| The Hartford | $110 | $160 |
| Travelers | $107 | $155 |
The table provides a comparison of Lexus NX car insurance monthly rates by coverage level and provider. It lists the rates for both minimum coverage and full coverage offered by various insurance companies. For minimum coverage, State Farm offers the lowest rate at $85, while AAA has the highest at $115.
For full coverage, State Farm also offers the most affordable rate at $120, with AAA again being the most expensive at $165. Other providers such as Allstate, American Family, Farmers, Liberty Mutual, Nationwide, Progressive, The Hartford, and Travelers are also included, with their respective rates for both coverage levels.
Determining Lexus NX Car Insurance Costs
Lexus NX insurance costs are influenced by the vehicle’s luxury status, advanced features, driver’s age, driving experience, location, claim history, and credit score. Rates vary by provider and policy, with liability, collision car insurance, comprehensive coverage, and deductibles all contributing to the premium.
Higher deductibles usually mean lower premiums. Research and compare quotes from different insurers, considering terms, conditions, and customer service, to find the best coverage at an affordable price. This process can lead to significant long-term savings and optimal coverage for your Lexus NX.
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Lowering Your Lexus NX Car Insurance Premiums
To reduce your Lexus NX car insurance premiums, maintain a clean driving record, as insurers offer lower rates to drivers with good histories. Bundling your home or other policies with the same provider can lead to multi-policy discounts. Utilize discounts for safety features like anti-lock brakes and airbags, which are standard in the Lexus NX, and consider those for low mileage or completing defensive driving courses.
Increasing your deductible can also lower premiums, but ensure you can afford the higher out-of-pocket cost if needed. Additionally, check for discounts available to Lexus NX owners through professional organizations, alumni associations, or affinity groups. These strategies can help you save significantly on insurance without compromising coverage.
The table highlights the various car insurance discounts available for Lexus NX owners from top providers. These discounts can significantly reduce your premium and offer additional benefits tailored to different needs and preferences. By leveraging these discounts, Lexus NX owners can find the most cost-effective car insurance options. Be sure to explore these discounts with each provider to maximize your savings and coverage.
Vehicle Safety Features and Lexus NX Insurance Costs
The Lexus NX is equipped with advanced safety features like lane departure warning, adaptive cruise control, and forward collision warning, which enhance safety and reduce accident risk. These features can lead to lower insurance rates, as insurers recognize the reduced risk. When seeking insurance quotes, highlight these safety features to potentially secure discounts or lower premiums.
Additionally, your location impacts insurance costs due to factors like crime rates, population density, and accident frequency. Understanding your state’s insurance requirements is crucial. Moreover, when choosing coverage, consider the deductible—higher deductibles lower premiums but require greater out-of-pocket costs. Coverage options include mandatory liability insurance, collision, and comprehensive coverage for various risks.
Impact of Claim History on Lexus NX Insurance Costs
Your claim history significantly influences car insurance premiums for the Lexus NX. Frequent claims or multiple accidents increase perceived risk, leading to higher premiums. Conversely, maintaining a clean claim history and avoiding at-fault accidents can help lower rates. Practicing safe driving and adhering to traffic laws reduces the likelihood of accidents and claims.
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Always check to be sure everyone’s out of the car before locking the doors. It only takes minutes for a vehicle to become dangerously hot for kids. #GoodNeighbor pic.twitter.com/wMGSBuJaYL
— State Farm (@StateFarm) July 6, 2020
Additionally, bundling insurance policies, such as auto, home, and life insurance with the same provider, can lead to multi-policy discounts, offering potential savings. Exploring different insurance providers using online comparison tools and brokerages can help find the best rates and coverage options for your Lexus NX, ensuring you get the best value for your money.
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Credit Score’s Influence on Lexus NX Insurance Costs
Your credit score significantly affects the cost of insuring your Lexus NX, as insurers use credit history to determine rates. Monitoring and maintaining a good credit score by paying bills on time, avoiding excessive debt, and reviewing your credit report can help secure lower premiums. A clean driving record is also crucial, as providers offer lower rates to those without moving violations or at-fault car accidents.
Comparing comprehensive and liability coverage is essential; liability covers damages and injuries to others and is usually mandatory, while comprehensive protects your vehicle from non-collision incidents like theft or natural disasters.
Case Studies: Choosing Insurance for Your Lexus NX
In today’s complex insurance market, choosing the right coverage for your Lexus NX can greatly impact your financial stability and peace of mind.
- Case Study #1 – Comprehensive Protection: Emma, 30, chose State Farm for her Lexus NX for its customer service, financial stability, and competitive rates. Bundling home and auto policies secured her a discount, lowering premiums. She also received discounts for her Lexus NX’s advanced safety features like lane departure warning and adaptive cruise control.
- Case Study #2 – Reliable Coverage: John, in a suburban area, selected Progressive for his Lexus NX insurance due to its competitive pricing and comprehensive coverage. He used Progressive’s Snapshot program for safe driver car insurance discounts and bundled auto and home insurance for additional savings. Progressive’s online tools helped him manage policies, leading to significant savings.
- Case Study #3 – Tailored Coverage: Sarah, a retiree in a rural area, chose Nationwide for her Lexus NX insurance due to its financial stability, customer service, and coverage options. She received low mileage discounts and lower premiums due to her excellent credit score. Nationwide’s Vanishing Deductible program rewarded her safe driving, further reducing costs.
These case studies illustrate how State Farm, Progressive, and Nationwide provide tailored insurance solutions for the Lexus NX, addressing specific needs and offering flexible, comprehensive coverage.
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Comparing quotes and coverage options from these providers can help you find the best insurance fit for your situation.
Securing Affordable Lexus NX Insurance
Lexus NX insurance costs are influenced by the vehicle model, driver’s age, experience, location, claim history, and credit score. To obtain the most affordable coverage, research and compare car insurance quotes from various providers.
By being a knowledgeable consumer and considering the available discounts and coverage options, you can find the right car insurance policy for your Lexus NX that offers both comprehensive coverage and reasonable premiums.
Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
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Frequently Asked Questions
Is insurance high on Lexus NX?
A Lexus NX SUV hybrid costs $317 per month, on average, to insure with full coverage. The NX is one of the brand’s most popular hybrids.
For additional details, delve into our comprehensive resource titled “Full Coverage Car Insurance: A Complete Guide” for more information.
Is Lexus NX 300 expensive to maintain?
A Lexus NX 300 will cost about $7,136 for maintenance and repairs during its first 10 years of service. This beats the industry average for luxury SUV models by $8,578. There is also a 20.47% chance that a NX 300 will require a major repair during that time. This is 19.09% better than similar vehicles in this segment.
Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
Is a Lexus NX considered a luxury car?
You can think of the 2025 Lexus NX as the classic “jack of all-trades” in the small luxury SUV class. The NX 250 offers an affordable entry point to the luxury brand, and the NX 350 boosts things with a turbocharged engine. Two different hybrids are also available, including a plug-in hybrid.
To learn more, check out our comprehensive resource titled “Best Car Insurance by Vehicle” today.
Is Lexus cheaper to fix than BMW?
Generally, Lexus vehicles are more affordable to maintain than BMW models. According to RepairPal, BMW vehicles have a typical annual repair cost of $9683. That’s more than $400 spent annually on maintenance on the average Lexus.
Why is the Lexus NX so popular?
One of the reasons why people love the Lexus NX so much is because it offers an incredibly powerful performance. It comes standard with a 235-hp 2.0L turbocharged engine that can easily get you up to speed quickly and efficiently, even when fully loaded with passengers and cargo.
Which car insurance type is best?
Comprehensive Car Insurance Policy: This type of insurance policy provides complete protection. It covers both third-party liabilities and damage to your vehicle. Also, with comprehensive coverage, you can get compensation if the accident results in your death; the family members will receive the benefit.
For further insights, refer to our in-depth report titled “Types of Car Insurance Coverage” now.
Is Lexus better than Toyota?
Consumer Reports speaks highly of both brands. However, Lexus is the top-ranked of all brands in the 2023 JD Power Vehicle Dependability Study. Kelley Blue Book has awarded Lexus the 2022 most trusted luxury brand and the 2023 best luxury brand for resale values.
Is Lexus cheap to fix?
On the whole, Lexus vehicles are some of the least expensive cars to maintain compared to other luxury brands. They can also be cheap compared to mass-market brands, too, because many Lexus models share parts with Toyota. However, it also depends on the model you have.
Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool below.
Which Lexus NX is the best to buy?
We recommend the midlevel NX 350. We think it’s worth the upgrade for the stronger engine, plus you get all-wheel drive and can add the optional Luxury package for niceties such as genuine leather upholstery and a 14-inch touch screen, which aren’t available in the base trim.
For a thorough understanding, see our detailed analysis titled “Compare Car Insurance Quotes” today.
What color car is the most expensive to insure?
The color of your car doesn’t affect your insurance rate. Instead, your insurance company uses other information, like your car’s age, location, usage, and driving record, to help determine insurance rates. Learn more about the factors that impact auto insurance pricing.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
