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

• At an average cost of $1,570 per year, a 2022 Lexus RX 350 costs less to insure than a 2022 BMW X5 by an average of $368 per year.
• Average car insurance cost per month for the BMW X5 is 19.1% more expensive than the Lexus RX 350, at $131 versus $162, a difference of $31.
• Out of 36 models in the 2022 midsize luxury SUV segment, the Lexus RX 350 ranks #3 and the BMW X5 ranks #24 for cheapest auto insurance.

2022 Lexus RX 350 vs. BMW X5

When comparing insurance rates for 2022 models, a Lexus RX 350 costs an average of $1,570 per year to insure and a BMW X5 costs $1,938, making the Lexus RX 350 cheaper to insure by $368 per year for this comparison year.

The next chart displays the average cost to insure both models using different driver ages. For a 2022 Lexus RX 350, the average cost of car insurance ranges from $1,428 to $3,108 per year. A 2022 BMW X5 costs from $1,764 to $3,900 to insure per year.

Out of six trims for the 2022 Lexus RX 350, the cheapest car insurance rates are on the 2WD model at a cost of $1,506 per year.

For the five trim levels available for the BMW X5, the cheapest 2022 model to insure is the sDrive model at a cost of $1,790 per year, or around $149 per month.

When comparing aggregated rates for both models from a trim-level perspective, the most affordable model and trim level to insure is the Lexus RX 350 2WD at an average rate of $1,506 per year, and the overall most expensive vehicle to insure is the BMW X5 M xDrive at an average of $2,182 per year.

The next two rate tables show all the available trims for both 2022 models, including an overall average cost for each model. The winner for the 2022 car insurance battle is the Lexus RX 350.

2021 Lexus RX 350 vs. BMW X5

When comparing insurance cost for 2021 models, the Lexus RX 350 costs an average of $1,518 per year to insure and the BMW X5 costs $1,808, making the Lexus RX 350 the winner by $290 for the 2021 comparison year.

The next chart displays the average cost to insure the two models for drivers aged 20 to 50. For a 2021 Lexus RX 350, average car insurance cost ranges from $1,380 to $3,008 per year for the included driver ages. A 2021 BMW X5 costs from $1,646 to $3,632 to insure per year.

Out of eight trim levels for the 2021 Lexus RX 350, the cheapest car insurance rates are on the 2WD trim at a cost of $1,468 per year. Out of the 14 trims available for the BMW X5, the cheapest 2021 model to insure is the sDrive 40i AWD trim at a cost of $1,670.

When insurance prices for all 22 trims of both models are combined sorted by cost, the cheapest model and trim level to insure is the Lexus RX 350 2WD at an average rate of $1,468 per year. The most expensive model and trim level is the BMW X5 m50i Executive AWD costing an average of $1,940 per year.

The next two tables show all the available trims for both 2021 models, including the average rate for each model. The 2021 Lexus RX 350 has more affordable average car insurance than the 2021 BMW X5.

2020 Lexus RX 350 vs. BMW X5

When comparing car insurance rates for the 2020 Lexus RX 350 and BMW X5 models, the Lexus RX 350 is cheaper to insure by an average of $286 per year.

The next chart shows the average cost to insure both models rated for drivers aged 20 to 50. Insurance cost ranges from $1,350 to $2,946 per year for a 2020 Lexus RX 350, and $1,610 to $3,556 for a 2020 BMW X5 for the included driver ages.

Out of eight trims for the 2020 Lexus RX 350, the cheapest insurance prices are on the 2WD model at a cost of $1,436 per year.

Out of the 14 trims available for the BMW X5, the cheapest 2020 trim to insure is the sDrive 40i AWD trim at a cost of $1,634 per year, or around $136 per month.

When looking at the aggregated rates by trim for both models, the cheapest vehicle to insure to insure is the Lexus RX 350 2WD at an average of $1,436 per year. The most expensive vehicle to insure is the BMW X5 m50i Executive AWD at an average cost of $1,898 per year.

The next two rate tables illustrate average car insurance rates for each trim level, as well as the overall average rate for each model. The 2020 Lexus RX 350 takes the win over the 2020 BMW X5 for the cheapest average car insurance rates.

2019 Lexus RX 350 vs. BMW X5

For the 2019 Lexus RX 350 and BMW X5 models, the Lexus RX 350 has cheaper car insurance cost by an average of $226 per year for this model year.

The rate chart below demonstrates the average cost to insure the two models using a range of rated driver ages. The average car insurance cost ranges from $1,338 to $2,922 per year for a 2019 Lexus RX 350, and $1,546 to $3,402 for a 2019 BMW X5 for these driver ages.

Out of three trims for the 2019 Lexus RX 350, the cheapest car insurance rates are on the 2WD trim at a cost of $1,456 per year. For the two trims available for the BMW X5, the cheapest 2019 model to insure is the xDrive 40i AWD trim at a cost of $1,632 per year, or around $136 per month.

When rates for all five trim levels for both vehicles are compared, the cheapest trim to insure is the Lexus RX 350 2WD at an average of $1,456 per year, and the most expensive model and trim level is the BMW X5 xDrive 50i AWD costing an average of $1,762 per year.

The two tables below illustrate average cost to insure each trim level for a 2019 Lexus RX 350 and BMW X5, including an overall average cost for each model. The cheapest of the two models to insure for the 2019 model year is the Lexus RX 350.

2018 Lexus RX 350 vs. BMW X5

When comparing insurance cost for 2018 models, the Lexus RX 350 costs an average of $1,404 per year to insure and the BMW X5 costs $1,698, making the Lexus RX 350 the winner by $294.

The rate chart below visualizes the average cost to insure both models for drivers from age 20 to 50. The average cost of car insurance ranges from $1,278 to $2,788 per year for a 2018 Lexus RX 350, and $1,546 to $3,416 for a 2018 BMW X5 for the age groups used in this illustration.

The 2018 Lexus RX 350 has four trims available, with the cheapest trim to insure being the 2WD model at an average cost of $1,372 per year, or $114 per month. For the six trim levels available for the BMW X5, the cheapest 2018 trim to insure is the 3.5i sDrive 2WD trim at a cost of $1,642 per year, or about $137 per month.

When trim-level rates for both models are compared, the overall cheapest vehicle to insure to insure is the Lexus RX 350 2WD at an average rate of $1,372 per year, and the most expensive vehicle to insure is the BMW X5 M AWD costing an average of $1,766 per year.

The two tables below illustrate average car insurance cost by trim level for each 2018 model, along with an average cost for each model. The 2018 Lexus RX 350 comes out on top over the 2018 BMW X5 for cheapest auto insurance rates.

2017 Lexus RX 350 vs. BMW X5

For 2017 Lexus RX 350 and BMW X5 models, the Lexus RX 350 has lower-cost car insurance by an average of $314 per year.

The next chart visualizes the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. For a 2017 Lexus RX 350, the average car insurance cost ranges from $1,242 to $2,710 per year for the age groups used in this illustration. A 2017 BMW X5 costs from $1,528 to $3,376 to insure per year.

For the four trim levels available for the 2017 Lexus RX 350, the cheapest trim level to insure is the 2WD model at an average cost of $1,332 per year, or about $111 per month.

For the six trim levels available for the BMW X5, the cheapest 2017 trim level to insure is the 3.5d xDrive AWD trim at a cost of $1,592 per year, or around $133 per month.

When rates for all 10 trim levels for both vehicles are compared, the cheapest model and trim level to insure is the Lexus RX 350 2WD at a cost of $1,332 per year. The overall most expensive vehicle to insure is the BMW X5 M AWD at a cost of $1,938 per year.

The next two tables show average cost to insure each trim level for a 2017 Lexus RX 350 and BMW X5, including an overall average cost for each model. The winner for the 2017 car insurance rate comparison is the Lexus RX 350.

2016 Lexus RX 350 vs. BMW X5

For the 2016 Lexus RX 350 and BMW X5 models, the Lexus RX 350 has cheaper car insurance cost by an average of $426 per year for this comparison year.

The next chart illustrates the average cost to insure both 2016 models for drivers from age 20 to 50. The average cost of car insurance ranges from $1,198 to $2,616 per year for a 2016 Lexus RX 350, and $1,590 to $3,514 for a 2016 BMW X5 for the age groups used in this illustration.

The 2016 Lexus RX 350 has three trim levels available, with the cheapest trim level to insure being the 2WD model at an average cost of $1,302 per year, or around $109 per month.

For the six trim levels available for the BMW X5, the cheapest 2016 model to insure is the 3.5i sDrive 2WD model at a cost of $1,632.

When comparing both models at a trim-level basis, the overall cheapest vehicle to insure to insure is the Lexus RX 350 2WD at a cost of $1,302 per year. The most expensive vehicle to insure is the BMW X5 M AWD costing $1,992 per year.

The next two tables display the expected annual car insurance cost by trim level for both 2016 models, including an overall average rate.

2015 Lexus RX 350 vs. BMW X5

When comparing insurance rates for the 2015 Lexus RX 350 and BMW X5 models, the Lexus RX 350 is cheaper by an average of $208 per year.

The chart shown below displays the average cost to insure both models using drivers aged 20 to 50. For a 2015 Lexus RX 350, average insurance cost ranges from $1,274 to $2,784 per year for the driver ages used. A 2015 BMW X5 costs from $1,462 to $3,224 to insure per year.

Out of three Lexus RX 350 trim levels, the cheapest 2015 model to insure is the 2WD model at an average cost of $1,384 per year. The 2015 BMW X5 has five trims available, with the cheapest model to insure being the 3.5i sDrive 2WD trim at an average cost of $1,498 per year, or $125 per month.

When average car insurance prices for all eight trims of both models are combined sorted by cost, the lowest-cost model and trim level to insure is the Lexus RX 350 2WD at an average cost of $1,384 per year, and the most expensive model and trim level is the BMW X5 M AWD at an average of $1,840 per year.

The next two tables display average car insurance cost by trim level for a 2015 Lexus RX 350 and BMW X5, along with an average cost for each model. The model with cheapest auto insurance rates for 2015 is the Lexus RX 350.

Additional Lexus RX 350 and BMW X5 Resources

• Lexus RX 350 Insurance
• BMW X5 Insurance
• Midsize Luxury SUV Insurance Rate Comparisons