Lexus UX Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Lexus UX costs more than most other cars to insure.
• Liability insurance for an UX averages about $80 monthly, while full coverage usually runs around $189 per month.
• Hugo offers the most affordable average rates for an UX with liability only coverage offered for sometimes as low as $34 monthly.

UX Overview

The Lexus UX is a great car for all budgets, with 2021 models starting at $32,900. Drive off the dealership lot in style, with two different trim options available.

After analyzing thousands of auto insurance quotes through Compare.com, we've found that average Lexus UX car insurance prices run about $166 a month. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Lexus UX?

If you look at the table above, you'll see that Lexus UX insurance rates are more expensive than average compared to other vehicles. On average, UX owners can expect to pay around $80 per month for liability insurance, and about $189 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Comparing it to other Lexus models, the UX is slightly more expensive, with premiums more than 5% higher than the rest of the automaker's vehicle offerings. Compared to offerings from other brands, insurance for an UX runs close to average, with liability insurance prices 4% cheaper than other cars and full coverage insurance premiums coming in 7% higher.

Compared to all vehicles, regardless of make, model, or body style, the UX is more expensive for full coverage car insurance, but liability only rates are slightly cheaper.

Who has the Cheapest Car Insurance for a Lexus UX?

If you're searching for a car insurance policy for a Lexus UX, you might be most interested in which company offers the cheapest prices. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $34 per month from Hugo. With car insurance as little as $36 per month, Freedom is the next lowest auto insurance carrier.

Rounding out the list are Safeco, NationalGeneral, and DirectGeneral. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lexus UX.

Car insurance companies take a wide array of factors into consideration when calculating monthly premiums. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from several car insurance carriers.

What Factors Affect Car Insurance Rates for a Lexus UX?

There are a variety of attributes that auto insurance companies take into account to decide how much they charge -- and each company uses a different method, so there's not a singular carrier that's the most affordable for everyone.

The following sections show numerous variables insurance carriers use to calculate rates:

Vehicle Age

Because the Lexus UX has only been around for two or three model years, vehicle age won't affect your premium in the same way it might for other vehicles. Normally, it costs more to insure newer cars because they're worth more, however, as time goes on and UXs begin to depreciate, insurance costs will gradually go down.

Next year, we'll have a better idea of the differences in premiums for each model year, but for now we see that a UX less than one year old will be around between $52 and $89 a month to insure.

Your Age

Your age is another factor that plays a significant role in how much you pay for auto insurance. Because the Lexus UX is pretty new to the market, we're just starting to collect data on how age is affecting car insurance rates. So far, based on the table above, younger drivers pay less for insurance than those with more experience on the road.

Auto insurance prices continue to get lower as you get older, with the cheapest age group for UX drivers being 55-64.

Your Gender

You may not know, but auto insurance is generally more expensive for men than for women. This is because men are more likely to get into collisions and get tickets, which increases the chances of an insurance claim. The Lexus UX sticks to the norm, where women pay around $53 per month for car insurance and men pay about $101. But, due to the limited amount of UX data, this pricing may not be representative of the prices you may see.

Where You Live

You were probably already aware that things such as what vehicle you drive and how old you are play a role in your insurance rates, but you may not realize that where you live is equally important. Because car insurance is regulated on the state level and not nationally, premiums can vary quite a bit from state to state.

Because the UX is a relatively new vehicle, our state data is somewhat limited. Even so, you can see in the table above that New York has rates that are more expensive than anywhere else.

Lexus UX Car Insurance Discounts

Regardless of what state you call home, how old you are, or which vehicle you drive, it's always important to take advantage of as many auto insurance discounts as possible.

While no two insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Pay-in-full discounts for choosing to pay your entire policy price up front, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Multi-car discounts for insuring more than one of your vehicles with the same carrier
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution

But these aren't the only discounts car insurance carriers offer to their customers. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Even though you may not be able to control every variable auto insurance companies take a look at to calculate prices (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use to your favor in order to save money on insurance:

Your Driving Record

You've most likely heard ads from car insurance carriers promoting hefty savings for good drivers. It shouldn't come as a surprise that if you get into a collision or get a ticket for speeding, auto insurance rates will increase. But exactly how much will these infractions cost you?

Unfortunately, we don't have enough data on file for Lexus UX drivers specifically, since it is a relatively new vehicle. However, we'll have a better idea of how much infractions will cost UX drivers when it comes to insurance as we see more and more of these on the road.

How Much You Drive

The total distance you drive annually affects your auto insurance premiums. Those who drive less are more likely to go accident-free, so they'll normally end up paying less for insurance. Since the Lexus UX is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect prices. So far, drivers who travel 10,000+ miles a year are offered the cheapest rates.

But if you're one of those drivers who don't put very many miles on your Lexus UX each year, it may be worth getting usage-based or pay-per-mile car insurance. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Lexus UXs Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Lexus UX is on your shortlist, you might be wondering how it compares to other vehicles. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

Take a look at the table below to see how the Lexus UX compares:

Overall, the Lexus UX is a great value for any budget, with an MSRP that's a quarter less than the going rate for a new vehicle. While the national average vehicle MSRP is $46,296, the UX comes in at just $32,900.

Although the UX's price is on the low end of the spectrum, insurance premiums are higher when compared to other vehicles on the market. Liability insurance for a Lexus UX is around $23 per month more than average, while full coverage is over $30 more monthly.

However, it is worth noting that the UX drivers tend to use their cars less than the average American driver, with only 9,404 annual miles for the average owner.

Lexus UX Car Insurance Costs by Model Year

You've seen how different variables can have an impact on what you'll pay for auto insurance. If you're in the market for a new car, truck, or SUV and the UX is on your wishlist, having a good idea of how much you'll likely pay is extremely valuable as you weigh your choices.

2021 Lexus UX Car Insurance

The average cost to insure a 2021 Lexus UX with liability only coverage is $104 a month, while full coverage runs about $204 monthly.

With prices as low as just $18 per month, Hugo offered the cheapest policy we found for the 2021 Lexus UX.

If you want to know exactly how much you can expect to pay for your UX, just enter your ZIP code below and get free quotes in minutes.

2020 Lexus UX Car Insurance

2020 UX drivers can expect to pay an average of $68 a month for liability or $174 for full coverage.

Freedom offered the lowest policy we found, with rates as low as $35 monthly.

Want to know just how much you'll pay? Enter your ZIP code below to get lots of free personalized quotes.

2019 Lexus UX Car Insurance

On average, drivers who own a 2019 Lexus UX can expect to pay $65 to $187 a month for liability only and full coverage insurance, respectively.

We found Mercury offered the most affordable policy, with rates as cheap as just $31 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

Lexus UX Insurance FAQs

Is a Lexus UX expensive to insure?

It costs more to insure a Lexus UX when compared to the average car. Liability insurance runs an average of $80 monthly, while full coverage will cost you around $189.

How can I get the best price on car insurance for my Lexus UX?

The only way to ensure you're getting the lowest price on car insurance is to regularly shop around and compare quotes from lots of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from quite a few carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lexus UX affect my insurance rates?

Have you heard that it costs more to insure red cars than silver or white ones before? Well, that's actually a myth. There are several factors auto insurance companies use when they decide how much to charge you for a policy, but the color of your UX isn't one of them.

Do I need to have insurance before I buy a Lexus UX?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. As part of the buying process, some dealerships may offer you an auto insurance policy, but it's best to let your car insurance company know before you buy.

What car insurance discounts can I get for my Lexus UX?

You will find a ton of discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the car you drive, but if your UX has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out is to get in touch with your insurance carrier and ask about which discounts they offer.