- Lexus RX 350 insurance costs around $1,558 per year, $779 for a 6-month policy, or $130 per month.
- The RX 350 2WD trim level has the cheapest insurance at around $1,494 per year. The most expensive trim is the Black Line Special Edition AWD at $1,616 per year.
- When compared to the entire midsize luxury SUV segment, the RX 350 ranks near the top at #3 out of 36 total comparison vehicles.
- On a state level, insurance rates range from a low of $1,086 per year in Maine to $2,498 in Michigan. Rates in a few larger cities include $3,032 in Miami, FL, $1,520 in Tucson, AZ, and $1,708 in Wichita, KS.
How much does Lexus RX 350 insurance cost?
Lexus RX 350 insurance costs on average $1,558 a year, or about $130 each month. Drivers can plan on paying around $271 less each year for Lexus RX 350 insurance compared to the midsize luxury SUV average rate.
The following chart 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 $1,150 per year for a 60-year-old driver with deductibles of $1,000 to a high of $3,644 per year for a 20-year-old driver with $250 comprehensive and collision deductibles.
The chart above shows average insurance rates for a 2022 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 Rate | 6-month Rate | Monthly Rate |
|---|---|---|---|
| 2022 Lexus RX 350 | $1,558 | $779 | $130 |
| 2021 Lexus RX 350 | $1,508 | $754 | $126 |
| 2020 Lexus RX 350 | $1,476 | $738 | $123 |
| 2019 Lexus RX 350 | $1,460 | $730 | $122 |
| 2018 Lexus RX 350 | $1,394 | $697 | $116 |
| 2017 Lexus RX 350 | $1,352 | $676 | $113 |
| 2016 Lexus RX 350 | $1,304 | $652 | $109 |
| 2015 Lexus RX 350 | $1,384 | $692 | $115 |
| 2014 Lexus RX 350 | $1,184 | $592 | $99 |
| 2013 Lexus RX 350 | $1,250 | $625 | $104 |
Which Lexus RX 350 has the cheapest insurance?
The cheapest 2022 Lexus RX 350 to insure is the base 2WD model at an estimated $1,494 per year. The next cheapest model is the AWD model, costing an average of $1,518 per year to insure.
The highest cost model of Lexus RX 350 to insure is the Black Line Special Edition AWD trim at $1,616 per year. It will cost an extra $122 per year to insure this model over the lowest cost base 2WD 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.
| Lexus RX 350 Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| 2WD | $1,494 | $747 | $125 |
| AWD | $1,518 | $759 | $127 |
| F Sport 2WD | $1,546 | $773 | $129 |
| F Sport AWD | $1,570 | $785 | $131 |
| Black Line Special Edition 2WD | $1,604 | $802 | $134 |
| Black Line Special Edition AWD | $1,616 | $808 | $135 |
How do RX 350 insurance rates rank?
The Lexus RX 350 ranks #3 out of 36 comparison vehicles in the 2022 midsize luxury SUV class. The RX 350 costs an estimated $1,558 per year for insurance and the segment average is $1,829 per year, a difference of $271 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 $364 less per year than the BMW X5, $8 less than the Acura MDX, $70 more than the Cadillac XT5, and $196 less than the Lexus GX 460.
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/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Cadillac XT5 | $1,488 | -$70 |
| 2 | Jaguar E-Pace | $1,550 | -$8 |
| 3 | Lexus RX 350 | $1,558 | -- |
| 4 | Acura MDX | $1,566 | $8 |
| 5 | Lincoln Nautilus | $1,580 | $22 |
| 6 | Lexus RX 450h | $1,596 | $38 |
| 7 | Infiniti QX50 | $1,600 | $42 |
| 8 | Lexus RX 350L | $1,614 | $56 |
| 9 | Cadillac XT6 | $1,626 | $68 |
| 10 | Volvo V60 | $1,636 | $78 |
| 11 | Land Rover Discovery | $1,646 | $88 |
| 12 | Land Rover Discovery Sport | $1,650 | $92 |
| 13 | Lexus RX 450hL | $1,660 | $102 |
| 14 | Volvo V90 | $1,676 | $118 |
| 15 | Lincoln Aviator | $1,706 | $148 |
| 16 | Mercedes-Benz GLE450 | $1,728 | $170 |
| 17 | Mercedes-Benz AMG GLB35 | $1,730 | $172 |
| 18 | Lexus GX 460 | $1,754 | $196 |
| 19 | Infiniti QX60 | $1,762 | $204 |
| 20 | Mercedes-Benz GLE350 | $1,772 | $214 |
| 21 | Genesis GV80 | $1,806 | $248 |
| 22 | Mercedes-Benz AMG GLC43 | $1,834 | $276 |
| 23 | Audi SQ5 | $1,858 | $300 |
| 24 | BMW X5 | $1,922 | $364 |
| 25 | Audi Q8 | $1,950 | $392 |
| 26 | Audi Q7 | $1,982 | $424 |
| 27 | Land Rover Range Rover Sport | $2,004 | $446 |
| 28 | BMW iX | $2,018 | $460 |
| 29 | Tesla Model X | $2,048 | $490 |
| 30 | Audi SQ7 | $2,108 | $550 |
| 31 | Audi e-tron | $2,128 | $570 |
| 32 | Mercedes-Benz AMG GLE53 | $2,136 | $578 |
| 33 | BMW X6 | $2,184 | $626 |
| 34 | Mercedes-Benz AMG GLE63 | $2,278 | $720 |
| 35 | Porsche Cayenne | $2,298 | $740 |
| 36 | Audi RS 6 | $2,374 | $816 |
Does where I live make a difference on insurance price?
Depending on your address, the cost to insure a RX 350 can vary significantly, from cheaper premiums like $1,054 a year in Virginia Beach, VA, or $1,180 in Columbus, OH, to more expensive rates like $2,600 a year in Los Angeles, CA, and $3,672 in New Orleans, LA.
Some examples of other rates include Fresno, CA, at $1,866 per year, San Jose, CA, at $1,854, Kansas City, MO, averaging $1,978, and Dallas, TX, at an estimated $1,676.
The chart below details typical insurance cost data for a Lexus RX 350 for the 15 largest metro areas in the United States. The cost ranges from $1,180 per year in Columbus, OH, to $2,960 in New York City, NY, a difference of $1,780.
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 many other policy discounts which could save the average driver as much as $262 per yearon the cost of insuring a RX 350.
- Lexus RX 350 insurance rates for teenagers are high. Average rates for full coverage RX 350 insurance costs $5,352 per year for a 16-year-old driver, $5,058 per year for a 17-year-old driver, and $4,746 per year for a 18-year-old driver.
- Rated driver gender affects the rate you pay. For a 2022 Lexus RX 350, a 20-year-old man will have an average rate of $3,084 per year, while a 20-year-old female will pay $2,282, a difference of $802 per year in favor of the women by a long shot. But by age 50, the cost for male drivers is $1,416 and the cost for female drivers is $1,388, a difference of only $28.
- Avoiding accidents keeps insurance rates low. Having frequent at-fault accidents will raise rates, possibly by an extra $2,144 per year for a 20-year-old driver and even as much as $466 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 safe. As a matter of fact, just a couple traffic tickets have the ramification of raising RX 350 insurance rates as much as $396 per year. Major convictions such as driving on a suspended license could raise rates by an additional $1,404 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 $1,792 or more per year.
