Lexus RX 350 Insurance Cost for 2022

How does Lexus RX 350 insurance cost compare to other luxury SUVs? We analyze average rates for each RX 350 trim level and compare them to the competition.

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  • Lexus RX 350 insurance costs around $1,570 per year, $785 for a 6-month policy, or $131 per month.
  • The RX 350 2WD trim level has the cheapest insurance at around $1,506 per year. The most expensive trim is the Black Line Special Edition AWD at $1,630 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 $1,570 a year, or about $131 each month. Drivers can plan on paying around $273 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 $1,158 per year for a 60-year-old driver with deductibles of $1,000 to a high of $3,674 per year for a 20-year-old driver with $250 comprehensive and collision deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2022 Lexus RX 350 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Lexus RX 350 trim levels.Data last updated on September 8, 2022
Lexus RX 350 Car Insurance Rates
Lexus RX 350 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,574$215
$500$3,108$259
$250$3,674$306
30$1,000$1,372$114
$500$1,672$139
$250$1,984$165
40$1,000$1,296$108
$500$1,570$131
$250$1,856$155
50$1,000$1,180$98
$500$1,428$119
$250$1,686$141
60$1,000$1,158$97
$500$1,400$117
$250$1,656$138

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.

Lexus RX 350 Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Lexus RX 350$1,570$785$131
2021 Lexus RX 350$1,518$759$127
2020 Lexus RX 350$1,484$742$124
2019 Lexus RX 350$1,470$735$123
2018 Lexus RX 350$1,404$702$117
2017 Lexus RX 350$1,362$681$114
2016 Lexus RX 350$1,316$658$110
2015 Lexus RX 350$1,394$697$116
2014 Lexus RX 350$1,192$596$99
2013 Lexus RX 350$1,260$630$105

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Lexus RX 350 Insurance Cost by Model Year

Which Lexus RX 350 has the cheapest insurance?

The cheapest 2022 Lexus RX 350 to insure is the base 2WD model at an estimated $1,506 per year. The next cheapest model is the AWD model, costing an average of $1,530 per year to insure.

The highest cost model of Lexus RX 350 to insure is the Black Line Special Edition AWD trim at $1,630 per year. It will cost an extra $124 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.

2022 Lexus RX 350 Insurance Cost by Trim Level
Lexus RX 350 Trim Level Annual Policy 6-month Policy Per Month
2WD$1,506$753$126
AWD$1,530$765$128
F Sport 2WD$1,558$779$130
F Sport AWD$1,580$790$132
Black Line Special Edition 2WD$1,614$807$135
Black Line Special Edition AWD$1,630$815$136

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Table Data Details: Average rates are for a 2022 Lexus RX 350, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Lexus RX 350 Insurance Cost by Trim Level

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 $1,570 per year for insurance and the segment average is $1,843 per year, a difference of $273 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 $368 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.

Insurance Cost Comparison: Lexus RX 350 vs Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Cadillac XT5$1,500-$70
2Jaguar E-Pace$1,564-$6
3Lexus RX 350$1,570--
4Acura MDX$1,578$8
5Lincoln Nautilus$1,594$24
6Lexus RX 450h$1,608$38
7Infiniti QX50$1,614$44
8Lexus RX 350L$1,628$58
9Cadillac XT6$1,640$70
10Volvo V60$1,648$78
11Land Rover Discovery$1,660$90
12Land Rover Discovery Sport$1,662$92
13Lexus RX 450hL$1,676$106
14Volvo V90$1,688$118
15Lincoln Aviator$1,720$150
16Mercedes-Benz AMG GLB35$1,740$170
17Mercedes-Benz GLE450$1,744$174
18Lexus GX 460$1,766$196
19Infiniti QX60$1,774$204
20Mercedes-Benz GLE350$1,784$214
21Genesis GV80$1,818$248
22Mercedes-Benz AMG GLC43$1,846$276
23Audi SQ5$1,874$304
24BMW X5$1,938$368
25Audi Q8$1,966$396
26Audi Q7$1,998$428
27Land Rover Range Rover Sport$2,020$450
28BMW iX$2,034$464
29Tesla Model X$2,064$494
30Audi SQ7$2,124$554
31Audi e-tron$2,144$574
32Mercedes-Benz AMG GLE53$2,150$580
33BMW X6$2,200$630
34Mercedes-Benz AMG GLE63$2,292$722
35Porsche Cayenne$2,314$744
36Audi RS 6$2,390$820

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Insurance Cost Comparison: Lexus RX 350 vs Midsize Luxury SUVs

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Lexus RX 350, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Lexus RX 350 trim levels.Data last updated on September 8, 2022
Lexus RX 350 Insurance Rates in Large U.S. Cities
Lexus RX 350 Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,960$247
Philadelphia, PA$2,616$218
Los Angeles, CA$2,600$217
San Francisco, CA$2,234$186
Jacksonville, FL$2,224$185
San Jose, CA$1,854$155
Phoenix, AZ$1,802$150
San Diego, CA$1,766$147
Chicago, IL$1,706$142
Dallas, TX$1,676$140
Houston, TX$1,668$139
Indianapolis, IN$1,578$132
San Antonio, TX$1,502$125
Austin, TX$1,430$119
Columbus, OH$1,180$98

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 $5,396 per year for a 16-year-old driver, $5,098 per year for a 17-year-old driver, and $4,784 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 $3,108 per year, while a 20-year-old female will pay $2,296, a difference of $812 per year in favor of the women by a long shot. But by age 50, the cost for male drivers is $1,428 and the cost for female drivers is $1,398, a difference of only $30.
  • Avoiding accidents keeps insurance rates low. Having frequent at-fault accidents will raise rates, possibly by an extra $2,160 per year for a 20-year-old driver and even as much as $474 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 $402 per year. Major convictions such as driving on a suspended license could raise rates by an additional $1,416 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 $1,806 or more per year.

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