Lexus RX 350 vs. BMW X5 Insurance – Which is Cheaper?

Does the Lexus RX 350 or the BMW X5 have cheaper car insurance rates? We broke down average rates by trim level for the 2015 through 2021 model years to shed some light.

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  • For the latest model year, the Lexus RX 350 is cheaper to insure than the BMW X5 by an average of $136 per year.
  • Average car insurance cost per month for the Lexus RX 350 is 7.9% cheaper than the BMW X5, at $128 compared to $139, a difference of $11 each month.
  • The average cost of car insurance for the 2021 midsize luxury SUV segment is $1,709. The Lexus RX 350 costs $177 less to insure than the average, and the BMW X5 costs $41 less per year.

2021 Lexus RX 350 vs. BMW X5

The diagram below details insurance rate averages for a 2021 Lexus RX 350 and a 2021 BMW X5 for different driver age groups.

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Chart Data Details: Average insurance rates are for a 2021 Lexus RX 350 and a 2021 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RX 350 and BMW X5 trim levels.
2021 Lexus RX 350 vs. 2021 BMW X5 Insurance Cost
2021 Lexus RX 350 vs. 2021 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RX 350$3,034$1,632$1,532$1,394
BMW X5$3,304$1,782$1,668$1,516

The tables below detail insurance rates for all trim levels of 2021 RX 350 and X5 models. The 2021 Lexus RX 350 has an average insurance cost of $1,532 and the 2021 BMW X5 is $1,668, making the Lexus RX 350 cheaper by $136 per year.

2021 Lexus RX 350

$1,532

Insurance Rates by Trim Level for 2021 Lexus RX 350
2021 Lexus RX 350 TrimsRate
2WD$1,482
4WD1,528
F Sport 2WD1,528
F Sport 4WD1,528
Luxury 2WD1,528
Luxury 4WD1,528
F Sport Performance 2WD1,574
F Sport Performance 4WD1,574
2021 Lexus RX 350 Average Rate$1,532

2021 BMW X5

$1,668

Insurance Rates by Trim Level for 2021 Lexus RX 350
2021 BMW X5 TrimsRate
sDrive 40i AWD$1,528
xDrive 40i AWD1,574
xDrive 40i Premium AWD1,574
xDrive 40i Rear Entertainment AWD1,574
xDrive 40i Executive AWD1,620
xDrive 40i Off-Road AWD1,620
xDrive 40i Sport AWD1,620
xDrive 50i AWD1,712
xDrive 50i Rear Entertainment AWD1,712
m50i AWD1,758
m50i Rear Entertainment AWD1,758
xDrive 50i Executive AWD1,758
xDrive 50i Off-Road AWD1,758
m50i Executive AWD1,804
2021 BMW X5 Average Rate$1,668

2020 Lexus RX 350 vs. BMW X5


When comparing the 2020 model year, the Lexus RX 350 has a trim-level averaged cost of $1,492 and the 2020 BMW X5 is $1,624, making the Lexus RX 350 $132 cheaper for this model year.

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Chart Data Details: Average insurance rates are for a 2020 Lexus RX 350 and a 2020 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RX 350 and BMW X5 trim levels.
2020 Lexus RX 350 vs. 2020 BMW X5 Insurance Cost
2020 Lexus RX 350 vs. 2020 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RX 350$2,956$1,584$1,492$1,356
BMW X5$3,218$1,728$1,624$1,474

2020 Lexus RX 350

$1,492

Insurance Rates by Trim Level for 2020 Lexus RX 350
2020 Lexus RX 350 TrimsRate
2WD$1,442
4WD1,486
F Sport 2WD1,486
F Sport 4WD1,486
Luxury 2WD1,486
Luxury 4WD1,486
F Sport Performance 2WD1,532
F Sport Performance 4WD1,532
2020 Lexus RX 350 Average Rate$1,492

2020 BMW X5

$1,624

Insurance Rates by Trim Level for 2020 Lexus RX 350
2020 BMW X5 TrimsRate
sDrive 40i AWD$1,486
xDrive 40i AWD1,532
xDrive 40i Premium AWD1,532
xDrive 40i Rear Entertainment AWD1,532
xDrive 40i Executive AWD1,576
xDrive 40i Off-Road AWD1,576
xDrive 40i Sport AWD1,576
xDrive 50i AWD1,664
xDrive 50i Rear Entertainment AWD1,664
m50i AWD1,710
m50i Rear Entertainment AWD1,710
xDrive 50i Executive AWD1,710
xDrive 50i Off-Road AWD1,710
m50i Executive AWD1,752
2020 BMW X5 Average Rate$1,624

2019 Lexus RX 350 vs. BMW X5


The 2019 Lexus RX 350 costs an estimated $1,468 and the 2019 BMW X5 is $1,606, making the Lexus RX 350 the winner by $138 overall.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2019 Lexus RX 350 and a 2019 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RX 350 and BMW X5 trim levels.
2019 Lexus RX 350 vs. 2019 BMW X5 Insurance Cost
2019 Lexus RX 350 vs. 2019 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RX 350$2,914$1,560$1,468$1,336
BMW X5$3,188$1,708$1,606$1,460

2019 Lexus RX 350

$1,468

Insurance Rates by Trim Level for 2019 Lexus RX 350
2019 Lexus RX 350 TrimsRate
2WD$1,454
4WD1,454
F Sport 4WD1,498
2019 Lexus RX 350 Average Rate$1,468

2019 BMW X5

$1,606

Insurance Rates by Trim Level for 2019 Lexus RX 350
2019 BMW X5 TrimsRate
xDrive 40i AWD$1,542
xDrive 50i AWD1,670
2019 BMW X5 Average Rate$1,606

2018 Lexus RX 350 vs. BMW X5


When comparing the 2018 RX 350 and X5 models, the Lexus RX 350 has an average cost of $1,420 and the 2018 BMW X5 is $1,572, making the Lexus RX 350 $152 cheaper for this model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2018 Lexus RX 350 and a 2018 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RX 350 and BMW X5 trim levels.
2018 Lexus RX 350 vs. 2018 BMW X5 Insurance Cost
2018 Lexus RX 350 vs. 2018 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RX 350$2,822$1,508$1,420$1,294
BMW X5$3,126$1,672$1,572$1,430

2018 Lexus RX 350

$1,420

Insurance Rates by Trim Level for 2018 Lexus RX 350
2018 Lexus RX 350 TrimsRate
2WD$1,388
4WD1,388
F Sport 2WD1,430
F Sport 4WD1,472
2018 Lexus RX 350 Average Rate$1,420

2018 BMW X5

$1,572

Insurance Rates by Trim Level for 2018 Lexus RX 350
2018 BMW X5 TrimsRate
3.5i sDrive 2WD$1,514
3.5i xDrive AWD1,514
3.5d xDrive AWD1,556
4.0e xDrive AWD1,556
5.0i xDrive AWD1,642
M AWD1,642
2018 BMW X5 Average Rate$1,572

2017 Lexus RX 350 vs. BMW X5


When comparing insurance rates for the 2017 RX 350 and X5 models, the Lexus RX 350 has a rate of $1,380 and the 2017 BMW X5 is $1,552, making the Lexus RX 350 the winner by $172 for 2017.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2017 Lexus RX 350 and a 2017 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RX 350 and BMW X5 trim levels.
2017 Lexus RX 350 vs. 2017 BMW X5 Insurance Cost
2017 Lexus RX 350 vs. 2017 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RX 350$2,740$1,462$1,380$1,254
BMW X5$3,088$1,650$1,552$1,412

2017 Lexus RX 350

$1,380

Insurance Rates by Trim Level for 2017 Lexus RX 350
2017 Lexus RX 350 TrimsRate
2WD$1,348
4WD1,348
F Sport 2WD1,390
F Sport 4WD1,430
2017 Lexus RX 350 Average Rate$1,380

2017 BMW X5

$1,552

Insurance Rates by Trim Level for 2017 Lexus RX 350
2017 BMW X5 TrimsRate
3.5d xDrive AWD$1,470
3.5i sDrive 2WD1,470
3.5i xDrive AWD1,470
4.0e xDrive AWD1,510
5.0i xDrive AWD1,592
M AWD1,796
2017 BMW X5 Average Rate$1,552

2016 Lexus RX 350 vs. BMW X5


The 2016 Lexus RX 350 has a rate of $1,324 and the 2016 BMW X5 is $1,648, making the Lexus RX 350 $324 cheaper for the 2016 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2016 Lexus RX 350 and a 2016 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RX 350 and BMW X5 trim levels.
2016 Lexus RX 350 vs. 2016 BMW X5 Insurance Cost
2016 Lexus RX 350 vs. 2016 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RX 350$2,630$1,400$1,324$1,204
BMW X5$3,298$1,736$1,648$1,502

2016 Lexus RX 350

$1,324

Insurance Rates by Trim Level for 2016 Lexus RX 350
2016 Lexus RX 350 TrimsRate
2WD$1,310
4WD1,310
F Sport 4WD1,350
2016 Lexus RX 350 Average Rate$1,324

2016 BMW X5

$1,648

Insurance Rates by Trim Level for 2016 Lexus RX 350
2016 BMW X5 TrimsRate
3.5i sDrive 2WD$1,538
3.5d xDrive AWD1,574
3.5i xDrive AWD1,574
4.0e xDrive AWD1,614
5.0i xDrive AWD1,692
M AWD1,888
2016 BMW X5 Average Rate$1,648

2015 Lexus RX 350 vs. BMW X5


When we look at 2015 rates, the Lexus RX 350 costs an estimated $1,416 and the 2015 BMW X5 is $1,504, making the Lexus RX 350 $88 cheaper for 2015.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2015 Lexus RX 350 and a 2015 BMW X5 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RX 350 and BMW X5 trim levels.
2015 Lexus RX 350 vs. 2015 BMW X5 Insurance Cost
2015 Lexus RX 350 vs. 2015 BMW X5 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RX 350$2,828$1,482$1,416$1,292
BMW X5$2,998$1,586$1,504$1,370

2015 Lexus RX 350

$1,416

Insurance Rates by Trim Level for 2015 Lexus RX 350
2015 Lexus RX 350 TrimsRate
2WD$1,402
4WD1,402
F Sport 4WD1,440
2015 Lexus RX 350 Average Rate$1,416

2015 BMW X5

$1,504

Insurance Rates by Trim Level for 2015 Lexus RX 350
2015 BMW X5 TrimsRate
3.5i sDrive 2WD$1,402
3.5d xDrive AWD1,440
3.5i xDrive AWD1,440
5.0i xDrive AWD1,510
M AWD1,730
2015 BMW X5 Average Rate$1,504

Additional Lexus RX 350 and BMW X5 Resources