Lexus RX 350L Car Insurance Calculator

Monitor in real-time how different factors influence insurance rates for a Lexus RX 350L. Adjust rate factors like vehicle trim level, driving violations, and policy coverages to see how insurance cost is affected. Instantly discover how much and why your choice impacts rates.

The average estimated car insurance premium for a 2023 Lexus RX 350L is $2,332 per year, or about $194 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,332

Cost Per Month

$194

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus RX 350L Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Lexus RX 350L.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,332
Average Rate
Your Rate
$2,332

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Lexus RX 350L.

The 'Average Rate' is a combined value for all Lexus RX 350L trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2023 Lexus RX 350L is $2,332.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2023 Lexus RX 350L Segment Comparison

The table below compares insurance rates for the 2023 Lexus RX 350L against all other models in the midsize luxury SUV segment. The Lexus RX 350L is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus RX 350L, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus RX 350L.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2023 Lexus RX 350L Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus RX 350$2,044-$288
2Infiniti QX50$2,112-$220
3Cadillac XT5$2,166-$166
4Cadillac XT6$2,206-$126
5Acura MDX$2,272-$60
6Lincoln Nautilus$2,306-$26
7Lexus RX 350L$2,332--
8Land Rover Discovery Sport$2,334$2
9Jaguar E-Pace$2,356$24
10Volvo V90$2,376$44
11Lexus RX 450h$2,404$72
12Lexus GX 460$2,430$98
13Volvo V60$2,446$114
14Lexus RX 450hL$2,454$122
15Mercedes-Benz AMG GLB35$2,500$168
16Genesis GV80$2,504$172
17Audi SQ5$2,512$180
18Lincoln Aviator$2,532$200
19Infiniti QX60$2,548$216
20Mercedes-Benz GLE450$2,570$238
21Mercedes-Benz GLE350$2,604$272
22Land Rover Discovery$2,616$284
2023 Midsize Luxury SUV Average$2,652$320
23Mercedes-Benz AMG GLC43$2,654$322
24Audi Q7$2,720$388
25Audi e-tron$2,814$482
26Tesla Model X$2,826$494
27Mercedes-Benz AMG GLE53$2,830$498
28BMW X5$2,886$554
29Audi Q8$2,894$562
30Land Rover Range Rover Sport$2,918$586
31Audi SQ7$3,056$724
32BMW iX$3,102$770
33BMW X6$3,160$828
34Porsche Cayenne$3,186$854
35Mercedes-Benz AMG GLE63$3,340$1,008
36Audi RS 6$3,394$1,062
37BMW XM$3,722$1,390

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2023 RX 350L Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Lexus RX 350L.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2023 Lexus RX 350L Insurance Rates by Trim Level
2023 Lexus RX 350L Trim Level Annual Premium Cost Per Month
2WD$2,272$189
AWD$2,294$191
Luxury 2WD$2,372$198
Luxury AWD$2,394$200

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2023 Lexus RX 350L for different driver ages.

2023 Lexus RX 350L Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,193$683
17$7,965$664
18$7,195$600
19$6,534$545
20$5,021$418
21$4,794$400
22$4,303$359
23$3,520$293
24$3,336$278
25$2,706$226
30$2,490$208
35$2,394$200
40$2,332$194
45$2,176$181
50$2,062$172
55$1,926$161
60$1,930$161
65$2,056$171
70$2,204$184
75$2,578$215
80$3,168$264

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus RX 350L trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Lexus RX 350L.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Lexus RX 350L Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2023 Lexus RX 350L$2,332$194
2022 Lexus RX 350L$2,282$190
2021 Lexus RX 350L$2,206$184
2020 Lexus RX 350L$2,138$178
2019 Lexus RX 350L$1,940$162
2018 Lexus RX 350L$1,818$152

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Lexus RX 350L trim levels for each model year.