- Lexus RX 350 insurance costs around $1,620 per year, $810 for a 6-month policy, or $135 per month.
- The RX 350 base 2WD trim level has the cheapest insurance at around $1,580 per year. The most expensive trim is the F Sport AWD at $1,656 per year.
- When compared to the entire midsize luxury SUV segment, the RX 350 ranks first out of 37 total comparison vehicles.
- On a state level, insurance rates range from a low of $984 per year in Maine to $2,180 per year in Michigan. Rates in a few larger cities include $2,302 in Miami, FL, $1,514 in Tucson, AZ, and $1,684 in Wichita, KS.
How much does Lexus RX 350 insurance cost?
Lexus RX 350 insurance costs on average $1,620 a year, or about $135 each month. Drivers can plan on paying around $484 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 $1,186 per year for a 60-year-old driver with deductibles of $1,000 to a high of $3,796 per year for a 20-year-old driver with $250 comprehensive and collision deductibles.
The chart above shows average insurance rates for a 2023 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 |
|---|---|---|---|
| 2023 Lexus RX 350 | $1,620 | $810 | $135 |
| 2022 Lexus RX 350 | $1,742 | $871 | $145 |
| 2021 Lexus RX 350 | $1,692 | $846 | $141 |
| 2020 Lexus RX 350 | $1,666 | $833 | $139 |
| 2019 Lexus RX 350 | $1,628 | $814 | $136 |
| 2018 Lexus RX 350 | $1,554 | $777 | $130 |
| 2017 Lexus RX 350 | $1,486 | $743 | $124 |
| 2016 Lexus RX 350 | $1,444 | $722 | $120 |
| 2015 Lexus RX 350 | $1,516 | $758 | $126 |
| 2014 Lexus RX 350 | $1,302 | $651 | $109 |
| 2013 Lexus RX 350 | $1,392 | $696 | $116 |
Which Lexus RX 350 has the cheapest insurance?
The cheapest 2023 Lexus RX 350 to insure is the base 2WD model at an estimated $1,580 per year. The next cheapest model is the base AWD model, costing an average of $1,602 per year to insure.
The highest cost model of Lexus RX 350 to insure is the F Sport AWD trim at $1,656 per year. It will cost an extra $76 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 | Six-Month Policy | Per Month |
|---|---|---|---|
| Base 2WD | $1,580 | $790 | $132 |
| Base AWD | $1,602 | $801 | $134 |
| F Sport 2WD | $1,640 | $820 | $137 |
| F Sport AWD | $1,656 | $828 | $138 |
How do RX 350 insurance rates rank?
The Lexus RX 350 ranks first out of 37 comparison vehicles in the 2023 midsize luxury SUV class. The RX 350 costs an estimated $1,620 per year for insurance and the segment average is $2,104 per year, a difference of $484 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 $668 less per year than the BMW X5, $180 less than the Acura MDX, $100 less than the Cadillac XT5, and $308 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 | Lexus RX 350 | $1,620 | -- |
| 2 | Infiniti QX50 | $1,676 | $56 |
| 3 | Cadillac XT5 | $1,720 | $100 |
| 4 | Cadillac XT6 | $1,762 | $142 |
| 5 | Acura MDX | $1,800 | $180 |
| 6 | Lincoln Nautilus | $1,834 | $214 |
| 7 | Lexus RX 350L | $1,850 | $230 |
| 8 | Land Rover Discovery Sport | $1,854 | $234 |
| 9 | Jaguar E-Pace | $1,856 | $236 |
| 10 | Volvo V90 | $1,886 | $266 |
| 11 | Lexus RX 450h | $1,908 | $288 |
| 12 | Lexus GX 460 | $1,928 | $308 |
| 13 | Lexus RX 450hL | $1,938 | $318 |
| 14 | Volvo V60 | $1,946 | $326 |
| 15 | Genesis GV80 | $1,986 | $366 |
| 16 | Mercedes-Benz AMG GLB35 | $1,988 | $368 |
| 17 | Audi SQ5 | $1,990 | $370 |
| 18 | Lincoln Aviator | $2,008 | $388 |
| 19 | Infiniti QX60 | $2,026 | $406 |
| 20 | Mercedes-Benz GLE450 | $2,042 | $422 |
| 21 | Mercedes-Benz GLE350 | $2,066 | $446 |
| 22 | Land Rover Discovery | $2,074 | $454 |
| 23 | Mercedes-Benz AMG GLC43 | $2,110 | $490 |
| 24 | Audi Q7 | $2,158 | $538 |
| 25 | Audi e-tron | $2,232 | $612 |
| 26 | Tesla Model X | $2,242 | $622 |
| 27 | Mercedes-Benz AMG GLE53 | $2,248 | $628 |
| 28 | BMW X5 | $2,288 | $668 |
| 29 | Audi Q8 | $2,298 | $678 |
| 30 | Land Rover Range Rover Sport | $2,312 | $692 |
| 31 | Audi SQ7 | $2,426 | $806 |
| 32 | BMW iX | $2,458 | $838 |
| 33 | BMW X6 | $2,508 | $888 |
| 34 | Porsche Cayenne | $2,528 | $908 |
| 35 | Mercedes-Benz AMG GLE63 | $2,650 | $1,030 |
| 36 | Audi RS 6 | $2,694 | $1,074 |
| 37 | BMW XM | $2,948 | $1,328 |
Average insurance rates by location
Depending on your address, the cost to insure an RX 350 can vary significantly, from cheaper premiums like $1,092 a year in Virginia Beach, VA, or $1,204 in Columbus, OH, to more expensive rates like $2,490 a year in Los Angeles, CA, and $2,766 in New Orleans, LA.
Some examples of other rates include Fresno, CA, at $1,826 per year, San Jose, CA, at $1,814, Kansas City, MO, averaging $1,928, and Dallas, TX, at an estimated $1,654.
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 $270 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 $5,464 per year for a 16-year-old driver, $5,186 per year for a 17-year-old driver, and $4,876 per year for an 18-year-old driver.
- Rated driver gender affects the rate you pay. For a 2023 Lexus RX 350, a 20-year-old man will have an average rate of $3,192 per year, while a 20-year-old female will pay $2,360, a difference of $832 per year in favor of the women by a long shot. But by age 50, the cost for male drivers is $1,474 and the cost for female drivers is $1,442, a difference of only $32.
- Avoiding accidents keeps insurance rates low. Having frequent at-fault accidents will raise rates, possibly by an extra $2,204 per year for a 20-year-old driver and even as much as $478 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 $408 per year. Major convictions such as driving on a suspended license could raise rates by an additional $1,444 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 $1,838 or more per year.