Is Auto Insurance Cheaper for a Lexus RX 350 or Lexus ES 350?

• At an average rate of $1,898 per year, a 2024 Lexus RX 350 has cheaper overall car insurance rates than a 2024 Lexus ES 350 by $82 per year.
• The average monthly cost for full-coverage insurance on the Lexus ES 350 is 4.3% higher than the Lexus RX 350, at $158 compared to $165, a difference of $7.
• When compared to the average U.S. car insurance rate of $1,883 per year, the Lexus RX 350 costs an average of $15 more per year, while the Lexus ES 350 costs $97 more per year.

Is a Lexus RX 350 or Lexus ES 350 cheaper to insure?

Average insurance rates for a 2024 Lexus RX 350 are $1,898 per year, and insurance for a Lexus ES 350 averages $1,980 per year, making the Lexus RX 350 the cheaper model to insure by $82 per year.

Out of nine trim levels for the 2024 Lexus RX 350, the cheapest insurance prices are on the Base FWD trim at a cost of $1,814 per year. Out of the five trims available for the Lexus ES 350, the cheapest 2024 model to insure is the Base trim at a cost of $1,890.

When auto insurance rates for all 14 trim levels for the 2024 model year of both models are compared, the lowest-cost model and trim is the Lexus RX 350 Base FWD at an average cost of $1,814 per year, and the highest-cost model and trim is the Lexus ES 350 Ultra Luxury at an average cost of $2,044 per year.

The table shown below ranks the yearly and monthly cost of car insurance for 2024 Lexus RX 350 and Lexus ES 350 models, broken down by individual trim level.

The chart shown below illustrates the average cost to insure the two models using a range of rated driver ages. Average car insurance cost ranges from $1,670 to $3,832 per year for a 2024 Lexus RX 350, and $1,752 to $3,932 for a 2024 Lexus ES 350 for the age groups used in this illustration.

The rate tables below show the average insurance cost by trim level for both 2024 models, plus the average rate for each model. The 2024 Lexus RX 350 reigns victorious over the 2024 Lexus ES 350 for cheapest auto insurance rates.

2023 Lexus RX 350 vs. Lexus ES 350

For 2023, the model with the cheapest average car insurance rates is the Lexus RX 350. Average insurance rates for the Lexus RX 350 are $1,656 per year, whereas the Lexus ES 350 costs an average of $1,992 per year.

For the four trim levels available for the 2023 Lexus RX 350, the cheapest model to insure is the Base 2WD trim at an average cost of $1,618 per year, or around $135 per month. For the five trim levels available for the Lexus ES 350, the cheapest 2023 trim level to insure is the Base trim at a cost of $1,898.

When comparing car insurance rates for both models by trim level, the cheapest model and trim level to insure is the Lexus RX 350 Base 2WD at an average of $1,618 per year. The overall most expensive vehicle to insure is the Lexus ES 350 Ultra Luxury at an average of $2,056 per year.

The rate table below compares the yearly and monthly cost of car insurance for 2023 Lexus RX 350 and Lexus ES 350 models, showing average cost for each trim level.

The next chart displays the average cost to insure both 2023 models rated for drivers aged 20 to 50. The average car insurance cost ranges from $1,456 to $3,292 per year for a 2023 Lexus RX 350, and $1,758 to $4,046 for a 2023 Lexus ES 350 for the age groups used in this illustration.

The two tables below illustrate average car insurance cost by trim level for a 2023 Lexus RX 350 and Lexus ES 350, along with an average cost for each model.

2022 Lexus RX 350 vs. Lexus ES 350

For 2022, the model having cheaper average car insurance is the Lexus RX 350. Average insurance rates for the Lexus RX 350 are $1,784 per year, and insurance for the Lexus ES 350 averages $2,040 per year.

Within each model, however, the cost of car insurance varies considerably depending on the trim level being insured. Using the Lexus RX 350 as an example, rates range from the lowest rate of $1,712 per year for the 2WD model up to the highest rate of $1,852 for the Black Line Special Edition AWD model. For the 2022 Lexus ES 350, rates range from $1,944 per year for the Sedan model up to $2,116 on the most expensive Ultra Luxury Sedan model.

When rates are compared for both models, the lowest-cost model and trim level to insure is the Lexus RX 350 2WD at an average cost of $1,712 per year. The most expensive trim is the Lexus ES 350 Ultra Luxury Sedan at an average of $2,116 per year.

For a 2022 Lexus RX 350, the cheapest models are the 2WD, AWD, and F Sport 2WD. The cheapest Lexus ES 350 models include the Sedan, F Sport Sedan, and Luxury Sedan. From a monthly standpoint, insurance rates for all 2022 Lexus RX 350 and Lexus ES 350 models range from $143 to $176 per month.

The next table ranks the 12-month and monthly car insurance cost for 2022 Lexus RX 350 and Lexus ES 350 models, with average cost for each trim level.

The chart shown below visualizes the average insurance cost for the two models rated for multiple driver ages. Average insurance cost ranges from $1,572 to $3,574 per year on a 2022 Lexus RX 350, and $1,798 to $4,158 on a 2022 Lexus ES 350 for the chosen age groups in the chart

Out of six trim levels for the 2022 Lexus RX 350, the cheapest rates are on the 2WD model at a cost of $1,712 per year, or about $143 per month. Out of the four trim options available for the Lexus ES 350, the cheapest 2022 trim to insure is the Sedan model at a cost of $1,944 per year, or $162 per month.

When rates are compared for the 10 different option levels of both 2022 models, the overall cheapest vehicle to buy insurance for is the Lexus RX 350 2WD at a cost of $1,712 per year. The most expensive vehicle to insure is the Lexus ES 350 Ultra Luxury Sedan at an average cost of $2,116 per year.

The next two tables display trim level insurance cost averages for both 2022 models, along with an average cost for each model. The 2022 Lexus RX 350 has cheaper average car insurance rates than the 2022 Lexus ES 350.

2021 Lexus RX 350 vs. Lexus ES 350

When comparing insurance rates for 2021 models, a Lexus RX 350 costs an average of $1,738 per year to insure and a Lexus ES 350 costs $1,874, making the Lexus RX 350 cheaper to insure by $136 per year for 2021.

The rate chart below displays the average cost to insure both models with different ages of drivers. Average insurance cost ranges from $1,534 to $3,488 per year for a 2021 Lexus RX 350, and $1,656 to $3,800 for a 2021 Lexus ES 350 for the age groups used in this illustration.

Out of eight Lexus RX 350 trims, the cheapest 2021 model to insure is the 2WD model at an average cost of $1,678 per year, or around $140 per month.

For the four trim levels available for the Lexus ES 350, the cheapest 2021 model to insure is the Luxury Sedan trim at a cost of $1,798 per year, or about $150 per month.

When comparing both models at a trim-level basis, the most affordable model and trim level to insure is the Lexus RX 350 2WD at an average of $1,678 per year. The most expensive vehicle to insure is the Lexus ES 350 F-Sport Sedan at an average of $1,986 per year.

The rate tables below display the average cost to insure each trim level for a 2021 Lexus RX 350 and Lexus ES 350, along with an average cost for each model. The 2021 Lexus RX 350 wins the head-to-head comparison over the 2021 Lexus ES 350 for the cheapest overall car insurance rates.

2020 Lexus RX 350 vs. Lexus ES 350

For 2020 Lexus RX 350 and Lexus ES 350 models, the Lexus RX 350 has lower-cost car insurance by $132 per year.

The rate chart below visualizes the average insurance cost for both 2020 models for different driver ages. Average car insurance cost ranges from $1,486 to $3,374 per year on a 2020 Lexus RX 350, and $1,604 to $3,680 on a 2020 Lexus ES 350 for the sample drivers in the chart

The 2020 Lexus RX 350 has eight trim levels available, with the cheapest trim to insure being the 2WD model at an average cost of $1,628 per year.

The 2020 Lexus ES 350 has four option levels available, with the cheapest model to insure being the Luxury Sedan trim at an average cost of $1,742 per year.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest model and trim level to put coverage on is the Lexus RX 350 2WD at an average of $1,628 per year. The highest-cost model and trim level is the Lexus ES 350 F-Sport Sedan costing $1,928 per year.

The next two tables break down trim level insurance cost averages for both 2020 models, along with an average cost for each model. The model with the cheapest auto insurance rates for 2020 is the Lexus RX 350.

2019 Lexus RX 350 vs. Lexus ES 350

When comparing insurance rates for 2019 models, a Lexus RX 350 costs an average of $1,638 per year to insure while a Lexus ES 350 costs $1,732, making the Lexus RX 350 cheaper to insure by $94 per year.

The next chart visualizes the average car insurance cost for both 2019 models rated for multiple driver ages. For a 2019 Lexus RX 350, the average cost of car insurance ranges from $1,444 to $3,290 per year for the age groups used in this illustration. Car insurance for a 2019 Lexus ES 350 costs from $1,530 to $3,520 on average per year.

Out of three Lexus RX 350 trims, the cheapest 2019 trim level to insure is the 2WD model at an average cost of $1,620 per year, or $135 per month.

For the four option levels available for the Lexus ES 350, the cheapest 2019 trim to insure is the Luxury Sedan model at a cost of $1,720 per year, or $143 per month.

When average car insurance prices for all seven trim levels for both vehicles are compared, the lowest-cost model and trim to put coverage on is the Lexus RX 350 2WD at an average of $1,620 per year. The most expensive model and trim level is the Lexus ES 350 Sedan at an average of $1,754 per year.

The rate tables below show all the available trims for both 2019 models, including an overall average cost for each model.

2018 Lexus RX 350 vs. Lexus ES 350

When comparing insurance rates for 2018 models, the Lexus RX 350 costs $1,532 per year for full coverage and the Lexus ES 350 costs $1,672, making the Lexus RX 350 the cheaper model to insure by $140.

The chart below illustrates the average insurance cost for both models for drivers from age 20 to 50. Average car insurance cost ranges from $1,354 to $3,068 per year on a 2018 Lexus RX 350, and $1,478 to $3,400 for a 2018 Lexus ES 350 for the included driver ages.

For the four trim levels available for the 2018 Lexus RX 350, the cheapest trim to insure is the 2WD trim at an average cost of $1,498 per year, or about $125 per month.

Out of the 1 option levels available for the Lexus ES 350, the cheapest 2018 model to insure is the Sedan trim at a cost of $1,672 per year, or about $139 per month.

When comparing rates by trim level for both models, the overall cheapest vehicle to put coverage on is the Lexus RX 350 2WD at a cost of $1,498 per year. The most expensive vehicle to insure is the Lexus ES 350 Sedan at an average cost of $1,672 per year.

The tables below show the expected annual car insurance cost by trim level for both 2018 models, as well as the overall average rate for each model. The 2018 Lexus RX 350 comes out with a win over the 2018 Lexus ES 350 for cheapest auto insurance rates.

2017 Lexus RX 350 vs. Lexus ES 350

For 2017 Lexus RX 350 and Lexus ES 350 models, the Lexus RX 350 has cheaper car insurance rates by $138 per year.

The chart shown below illustrates the average cost to insure both 2017 models using drivers aged 20 to 50. A full-coverage car insurance policy ranges from $1,300 to $2,938 per year on a 2017 Lexus RX 350, and $1,420 to $3,260 for a 2017 Lexus ES 350 for the included age groups.

Out of four Lexus RX 350 trims, the cheapest 2017 trim to insure is the 2WD model at an average cost of $1,436 per year, or around $120 per month.

Out of the 1 different trim levels available for the Lexus ES 350, the cheapest 2017 trim to insure is the Sedan model at a cost of $1,606 per year, or $134 per month.

When car insurance rates for all five trims of both models are combined and sorted by cost, the cheapest trim to insure is the Lexus RX 350 2WD at an average of $1,436 per year, and the most expensive trim is the Lexus ES 350 Sedan costing an average of $1,606 per year.

The rate tables below illustrate the expected annual car insurance cost by trim level for both 2017 models, as well as an average rate for each model. The 2017 Lexus RX 350 defeats the 2017 Lexus ES 350 for cheapest car insurance rates.

2016 Lexus RX 350 vs. Lexus ES 350

A 2016 Lexus ES 350 costs $78 less per year to insure per year on average than a 2016 Lexus RX 350, a difference of 5.8%.

The rate chart below visualizes the average insurance cost for the two models for four different driver age groups. For a 2016 Lexus RX 350, insurance cost ranges from $1,230 to $2,774 per year for the five driver ages sampled in the chart. A full-coverage policy on a 2016 Lexus ES 350 costs from $1,156 to $2,618 on average per year.

For the three trim levels available for the 2016 Lexus RX 350, the cheapest model to insure is the 2WD trim at an average cost of $1,378 per year, or $115 per month. For the 1 trim levels available for the Lexus ES 350, the cheapest 2016 trim level to insure is the Sedan trim at a cost of $1,312 per year, or about $109 per month.

When rates for all four trim levels for both 2016 models are compared, the overall cheapest vehicle to put coverage on is the Lexus ES 350 Sedan at an average of $1,312 per year, and the most expensive model and trim level is the Lexus RX 350 F Sport 4WD at a cost of $1,416 per year.

The two tables below break down average car insurance rates for each trim level, along with an average cost for each model. The cheapest of the two models to insure for the 2016 model year is the Lexus ES 350.

2015 Lexus RX 350 vs. Lexus ES 350

For 2015 Lexus RX 350 and Lexus ES 350 models, the Lexus ES 350 is cheaper to insure by $104 per year.

The chart shown below displays the average cost to insure the two models rated for different driver ages. Average car insurance cost ranges from $1,288 to $2,902 per year for a 2015 Lexus RX 350, and $1,192 to $2,692 on a 2015 Lexus ES 350 for the example age groups.

The 2015 Lexus RX 350 has three trim levels available, with the cheapest trim to insure being the 2WD trim at an average cost of $1,432 per year. The 2015 Lexus ES 350 has 1 trims available, with the cheapest model to insure being the Sedan model at an average cost of $1,340 per year, or about $112 per month.

When rates for all four trim levels for both vehicles are combined and compared, the cheapest vehicle to insure is the Lexus ES 350 Sedan at a cost of $1,340 per year. The highest-cost model and trim is the Lexus RX 350 F Sport 4WD at a cost of $1,468 per year.

The next tables show all the available trims for both 2015 models, including an overall average rate.

Additional Lexus RX 350 and Lexus ES 350 Resources

• Lexus RX 350 Insurance Cost
• Lexus ES 350 Insurance Cost
• Midsize Luxury SUV Insurance Cost Comparisons
• Midsize Luxury Car Insurance Cost Comparisons