Lexus UX Car Insurance Cost 2025
The average cost to insure a Lexus UX is $1,639 per year, though actual rates may vary depending on factors such as your age, the car’s model year, and other personal details. To get a more accurate estimate tailored to your profile, you can refer to our quote tables.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re considering purchasing a Lexus UX, it’s important to factor in the cost of insurance. On average, insurance for a Lexus UX costs $1,639 per year. Insurance is a significant aspect of car ownership, and understanding the financial commitment beforehand is essential.
Selecting the right car insurance is crucial to avoid unexpected and potentially costly surprises down the line. Having adequate coverage in the event of an accident is important to avoid large out-of-pocket expenses. Additionally, being found at fault in an accident could lead to higher premiums.
With over ten years of experience studying car insurance rates, I’ve noticed how much these costs can vary. Factors such as your age, driving history, and location all play a significant role in determining your insurance premiums.
How Much Does Lexus UX Car Insurance Cost?
Lexus UX drivers typically pay an average of $1,639 per year for car insurance.
Car insurance costs can vary greatly depending on several factors, such as your location, driving history, car model year, and the coverage options you choose. Having a clean driving record typically results in lower premiums, while accidents or traffic violations may lead to higher costs. Additionally, living in an urban area with heavy traffic can increase your rates compared to rural areas with less congestion. The type of coverage you select also affects your premium, with comprehensive insurance (covering both collision and comprehensive) generally costing more than basic liability coverage. As shown in the table below, the insurance cost for a Lexus UX is higher compared to the average cost of all Lexus models but still more affordable than the average cost for all vehicles. Insuranceopedia is here to help you compare quotes from multiple auto insurance companies to ensure you find the best rate for your needs.
| Vehicle | Average Monthly Premium |
| Lexus UX | $190 |
| All Lexus | $174 |
| All Cars | $175 |
Average Insurance Cost Of Lexus UX By Model Year
| Model Year | Average Premium |
| 2024 Lexus UX | $2,032 |
| 2023 Lexus UX | $1,869 |
| 2022 Lexus UX | $1,825 |
| 2021 Lexus UX | $1,064 |
| 2020 Lexus UX | $1,162 |
| 2019 Lexus UX | $1,249 |
2024 Lexus UX Insurance Rates
The average annual insurance cost for a 2024 Lexus UX is $2,032. However, Alliance United offers the cheapest rates, averaging $1,639 per year.
| Insurance Provider | Average Annual Cost |
| Alliance United | $1,639 |
| New York Central Mutual Fire | $1,832 |
| Mercury | $1,823 |
| California Capital | $1,855 |
| 21st Century | $1,995 |
| Metropolitan | $2,017 |
| USAA | $2,119 |
| Grange | $2,313 |
| CSAA | $2,317 |
| Auto Club | $2,406 |
2023 Lexus UX Insurance Rates
The average annual insurance cost for a 2023 Lexus UX is $1,869. However, Direct Auto offers the cheapest rates, averaging $1,411 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $1,411 |
| National General Value | $1,385 |
| USAA | $1,554 |
| Unitrin | $1,829 |
| Alliance United | $1,880 |
| California Capital | $1,900 |
| AssuranceAmerica Economy | $1,914 |
| 21st Century | $2,099 |
| NatGen Custom 360 | $2,343 |
| State Farm | $2,373 |
2022 Lexus UX Insurance Rates
The average annual insurance cost for a 2022 Lexus UX is $1,825. However, Safeco offers the cheapest rates, averaging $771 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $771 |
| Virginia Farm Bureau | $1,063 |
| Mercury Insurance | $1,080 |
| New York Central Mutual Fire | $1,810 |
| Nationwide | $1,888 |
| Travelers | $2,081 |
| Unitrin | $2,279 |
| Mercury | $2,399 |
| State Farm | $2,435 |
| Mercury Insurance Company | $2,442 |
2021 Lexus UX Insurance Rates
The average annual insurance cost for a 2021 Lexus UX is $1,064. However, Safeco offers the cheapest rates, averaging $374 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $374 |
| Kemper Auto | Infinity | $582 |
| Clearcover | $963 |
| Plymouth Rock | $971 |
| Pekin Insurance | $1,096 |
| Farm Bureau Mutual (IA Group) | $1,103 |
| Hastings Mutual Insurance Co | $1,268 |
| Mercury Insurance | $1,347 |
| Dairyland | $1,406 |
| National General Value | $1,534 |
2020 Lexus UX Insurance Rates
The average annual insurance cost for a 2020 Lexus UX is $1,064. However, Capital Insurance Group offers the cheapest rates, averaging $738 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $738 |
| SECURA Insurance | $855 |
| Oregon Mutual | $1,039 |
| PEMCO | $1,167 |
| AssuranceAmerica Economy | $1,161 |
| Tennessee Farmers | $1,218 |
| Mercury Insurance | $1,296 |
| Safety Group | $1,308 |
| Plymouth Rock Assurance | $1,421 |
| Norfolk and Dedham Group | $1,413 |
2019 Lexus UX Insurance Rates
The average annual insurance cost for a 2019 Lexus UX is $1,249. However, Safeco offers the cheapest rates, averaging $299 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $299 |
| SECURA Insurance | $865 |
| Texas Farm Bureau Group | $948 |
| Mercury Insurance | $1,083 |
| Liberty Mutual | $1,270 |
| New Jersey Manufacturers | $1,334 |
| Country | $1,531 |
| NatGen Value | $1,674 |
| Mercury Insurance Company | $1,695 |
| Direct Auto | $1,712 |
Find Affordable Lexus UX Insurance Rates
Is A Lexus UX Expensive To Insure?
The cost to insure a Lexus UX is higher than the overall average for all vehicles. However, your specific insurance rate will depend on factors like your age, the car’s model year, your location, and other personal details.
Cheapest Car Insurance Companies For A Lexus UX
If you’re looking to purchase a new car insurance policy for your Lexus UX, you may want to know which companies offer the most affordable rates. For drivers seeking the cheapest policy, Hugo offers a premium of $33 per month, making them the most affordable option for Lexus UX insurance. However, rates can vary based on your driver profile, so this is just an average. To find the best rate for your specific situation, it’s recommended to shop around and compare quotes from different providers.
| Company | Average Monthly Rate |
| NationalGeneral | $48 |
| Safeco | $45 |
| Hugo | $33 |
| Freedom | $37 |
| DirectGeneral | $49 |
Common Lexus UX Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each insurance provider offers their own unique discounts, here are some common ones you can check your eligibility for:
- Multi-policy: Bundling your home and auto insurance policies with one provider can often result in a discounted rate.
- Pay annually: Paying your premium upfront instead of in monthly installments can lead to savings.
- Defensive driving: Completing a defensive driving course from a certified provider may qualify you for a discount.
There may be other discounts available to you. It’s a good idea to speak with your insurance agent, who can help you identify all the discounts you may be eligible for.
Ways To Save On Lexus UX Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Lexus UX insurance costs low. Traffic violations or accidents can lead to higher premiums. Lexus UX drivers with a ticket on their record can expect to pay around $129 per month, while those with multiple accidents may pay about $86 per month. By avoiding these incidents, you can help keep your insurance costs more affordable. Additionally, drivers who log fewer miles each year typically pay less for insurance, as they are considered lower risk. For instance, Lexus UX drivers who drive 7,501–10,000 miles per year pay around $84 per month, whereas those driving over 10,000 miles annually may pay $51 per month.
Compare Lexus UX To Other Lexus Models
Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with the following coverage limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, these figures may vary based on your individual circumstances.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Lexus UX?
Yes, you will need to provide proof of insurance before driving your Lexus UX off the dealership lot. The best approach is to purchase a policy beforehand and inform your insurance company about your upcoming car purchase, rather than opting for insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Lexus UX?
The most effective way to find the best rates for your Lexus UX is by shopping around and comparing quotes from different auto insurance providers. Luckily, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website.
