- Lexus RX 350 insurance costs around $2,406 per year, $1,203 for a 6-month policy, or $201 per month.
- The RX 350 base FWD trim level has the cheapest insurance at around $2,292 per year. The most expensive trim is the Luxury AWD at $2,546 per year.
- When compared to the entire midsize luxury SUV segment, the RX 350 ranks eighth out of 41 total comparison vehicles.
- On a state level, insurance rates range from a low of $1,834 per year in Maine to $2,946 per year in Rhode Island. Rates in a few larger cities include $3,144 in Miami, FL, $2,420 in Tucson, AZ, and $2,604 in Wichita, KS.
How much does Lexus RX 350 insurance cost?
Lexus RX 350 insurance costs on average $2,406 a year, or about $201 each month. Drivers can plan on paying around $444 less each year for Lexus RX 350 insurance compared to the midsize luxury SUV average rate.
The following graphic shows how average Lexus RX 350 car insurance rates change depending on the age of the driver and insurance policy deductibles. The values shown range from a low of $1,644 per year for a 60-year-old driver with deductibles of $1,000 to a high of $5,760 per year for a 20-year-old driver with $250 comprehensive and collision deductibles.
The infographic above shows average insurance rates for a 2024 Lexus RX 350 with the overall average rate being a 40-year-old driver with $500 physical damage deductibles.
The following table shows average full coverage insurance rates going back to the 2013 model year.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Lexus RX 350 | $2,406 | $201 |
| 2023 Lexus RX 350 | $2,096 | $175 |
| 2022 Lexus RX 350 | $2,254 | $188 |
| 2021 Lexus RX 350 | $2,198 | $183 |
| 2020 Lexus RX 350 | $2,128 | $177 |
| 2019 Lexus RX 350 | $2,070 | $173 |
| 2018 Lexus RX 350 | $1,938 | $162 |
| 2017 Lexus RX 350 | $1,856 | $155 |
| 2016 Lexus RX 350 | $1,756 | $146 |
| 2015 Lexus RX 350 | $1,824 | $152 |
| 2014 Lexus RX 350 | $1,586 | $132 |
| 2013 Lexus RX 350 | $1,682 | $140 |
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 350 trim levels for each model year. Updated October 24, 2025
Which Lexus RX 350 has the cheapest insurance?
The cheapest 2024 Lexus RX 350 to insure is the base FWD model at an estimated $2,292 per year. The next cheapest model is the base AWD model, costing an average of $2,328 per year to insure.
The highest cost model of Lexus RX 350 to insure is the Luxury AWD trim at $2,546 per year. It will cost an extra $254 per year to insure this model over the lowest cost base FWD model.
As with most vehicles, the insurance cost goes up with vehicle cost, so as expect to pay more for higher-level trims. The next table displays the average yearly and semi-annual car insurance costs, plus a monthly insurance rate, for each Lexus RX 350 model trim level.
| 2024 Lexus RX 350 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Base FWD | $2,292 | $191 |
| Base AWD | $2,328 | $194 |
| Premium FWD | $2,342 | $195 |
| Premium AWD | $2,374 | $198 |
| Premium+ FWD | $2,386 | $199 |
| Premium+ AWD | $2,422 | $202 |
| F Sport Handling AWD | $2,470 | $206 |
| Luxury FWD | $2,508 | $209 |
| Luxury AWD | $2,546 | $212 |
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. Updated October 24, 2025
How do RX 350 insurance rates rank?
The Lexus RX 350 ranks eighth out of 41 comparison vehicles in the 2024 midsize luxury SUV class. The RX 350 costs an estimated $2,406 per year for insurance and the segment average is $2,850 per year, a difference of $444 per year.
When average rates are compared directly to the top-selling vehicles in the midsize luxury SUV segment, insurance for a Lexus RX 350 costs $610 less per year than the Tesla Model X, $322 less per year than the Lexus GX 550, $866 less per year than the BMW iX, and $128 less per year than the Lincoln Nautilus.
The table below shows how average Lexus RX 350 insurance rates compare to the top 10 most popular midsize luxury SUVs like the BMW X5, Acura MDX, and the Lexus GX 460.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Jaguar E-Pace | $2,242 | -$164 |
| 2 | Cadillac XT5 | $2,264 | -$142 |
| 3 | Infiniti QX50 | $2,330 | -$76 |
| 4 | Cadillac XT6 | $2,348 | -$58 |
| 5 | Infiniti QX60 | $2,358 | -$48 |
| 6 | Mercedes-Benz AMG GLB35 | $2,364 | -$42 |
| 7 | Acura MDX | $2,396 | -$10 |
| 8 | Lexus RX 350 | $2,406 | -- |
| 9 | Lexus TX 350 | $2,440 | $34 |
| 10 | Lexus RX 350h | $2,468 | $62 |
| 11 | Lexus TX 500h | $2,506 | $100 |
| 12 | Lexus RX 500h | $2,514 | $108 |
| 13 | Lincoln Nautilus | $2,534 | $128 |
| 14 | Lexus RX 450h | $2,538 | $132 |
| 15 | Volvo V90 | $2,558 | $152 |
| 16 | Audi SQ5 | $2,646 | $240 |
| 17 | Mercedes-Benz GLE350 | $2,680 | $274 |
| 18 | Lincoln Aviator | $2,698 | $292 |
| 19 | Lexus GX 550 | $2,728 | $322 |
| 20 | Volvo V60 | $2,808 | $402 |
| 21 | Land Rover Discovery Sport | $2,814 | $408 |
| 22 | Mercedes-Benz GLE450 | $2,826 | $420 |
| 23 | Cadillac Lyriq | $2,852 | $446 |
| 24 | Volvo EX90 | $2,876 | $470 |
| 25 | Audi Q7 | $2,912 | $506 |
| 26 | Genesis GV80 | $2,926 | $520 |
| 27 | Mercedes-Benz AMG GLC43 | $2,938 | $532 |
| 28 | Audi e-tron | $2,994 | $588 |
| 29 | Tesla Model X | $3,016 | $610 |
| 30 | BMW X5 | $3,068 | $662 |
| 31 | Audi Q8 | $3,082 | $676 |
| 32 | Land Rover Discovery | $3,100 | $694 |
| 33 | Mercedes-Benz AMG GLE53 | $3,120 | $714 |
| 34 | Audi SQ7 | $3,224 | $818 |
| 35 | BMW iX | $3,272 | $866 |
| 36 | BMW X6 | $3,350 | $944 |
| 37 | Land Rover Range Rover Sport | $3,492 | $1,086 |
| 38 | Audi RS 6 | $3,564 | $1,158 |
| 39 | Porsche Cayenne | $3,594 | $1,188 |
| 40 | BMW XM | $3,938 | $1,532 |
| 41 | Mercedes-Benz AMG GLE63 | $4,046 | $1,640 |
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 vehicle from the 2024 model year. Updated October 24, 2025
Average insurance rates by location
Depending on your address, the cost to insure an RX 350 can vary significantly, from cheaper premiums like $1,950 a year in Virginia Beach, VA, or $2,078 in Columbus, OH, to more expensive rates like $3,500 a year in Los Angeles, CA, and $3,658 in New Orleans, LA.
Some examples of other rates include Fresno, CA, at $2,762 per year, San Jose, CA, at $2,752, Kansas City, MO, averaging $2,876, and Dallas, TX, at an estimated $2,574.
The chart below details typical insurance cost data for a Lexus RX 350 for the thirty largest metro areas in the United States.
Additional observations about Lexus RX 350 insurance cost include:
- Earn policy discounts to save money. Discounts may be available if the insured drivers are good students, are away-from-home students, sign their policy early, are homeowners, or other policy discounts which could save the average driver as much as $406 per year on the cost of insuring an RX 350.
- Lexus RX 350 insurance rates for teenagers are high. Average rates for full coverage RX 350 insurance costs $8,432 per year for a 16-year-old driver, $8,237 per year for a 17-year-old driver, and $7,513 per year for an 18-year-old driver.
- Rated driver gender affects the rate you pay. For a 2024 Lexus RX 350, a 20-year-old man will have an average rate of $4,864 per year, while a 20-year-old female will pay $3,464, a difference of $1,400 per year in favor of the women by a long shot. But by age 50, the cost for male drivers is $2,116 and the cost for female drivers is $2,072, a difference of only $44.
- Avoiding accidents keeps insurance rates low. Having frequent at-fault accidents will raise rates, possibly by an extra $3,436 per year for a 20-year-old driver and even as much as $686 per year for a 50-year-old driver.
- Obey driving laws to keep rates low. If you want to receive the cheapest price for RX 350 car insurance rates, it pays to drive safely. As a matter of fact, just a couple of traffic tickets have the ramification of raising RX 350 insurance rates as much as $632 per year. Major convictions such as driving on a suspended license could raise rates by an additional $2,234 or more.
- Prepare for sticker shock for high-risk insurance. For a 50-year-old driver, having too many accidents or violations could increase the cost by $2,808 or more per year.