Lexus RX 350L Car Insurance Explained: A 2025 Guide

How much does Lexus RX 350L insurance cost? We analyze rates from the base RX 350L 2WD up to the loaded Luxury 4WD model to find out how prices rank against the rest of the midsize luxury SUV market.

Start a Free QuoteCompare Lexus RX 350L car insurance quotes and save on your next policy.

  • Lexus RX 350L car insurance costs an average of $2,332 per year, or around $194 per month for full coverage.
  • With the cheapest insurance rates, the RX 350L 2WD trim level costs an average of $2,272 per year to insure.
  • At the high end, the RX 350L Luxury AWD is the most expensive to insure at $2,394 for an annual policy.
  • Ranked seventh out of 37 other models in the midsize luxury SUV class, car insurance rates for the Lexus RX 350L cost $320 less per year than the average cost for the segment.

How much does Lexus RX 350L car insurance cost?

Lexus RX 350L insurance rates average $2,332 annually, or about $194 if paid each month. On average, expect to pay approximately $320 less each year for Lexus RX 350L insurance as compared to the average rate for midsize luxury SUVs, and $111 more per year than the all-vehicle national average of $2,221.

The rate summary chart below breaks down average insurance cost for a 2023 Lexus RX 350L using a variety of different risk scenarios.

Average 2023 Lexus RX 350L insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2023 Lexus RX 350L insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2023 model year Lexus RX 350L with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lexus RX 350L trim levels.

2023 Lexus RX 350L Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,340$445
Safe Driver Age 20$4,678$390
At-fault Accidents Age 40$3,280$273
Low Deductibles Age 40$3,088$257
Safe Driver Age 30$2,490$208
Safe Driver Age 40$2,332$194
Safe Driver Age 50$2,062$172
High Deductibles Age 40$1,942$162
Discount Rate Age 40$1,938$162
Safe Driver Age 60$1,930$161

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2023 Lexus RX 350L trim levels. Updated June 27, 2025

The table below details the estimated yearly and semi-annual policy costs, in addition to a monthly insurance rate, for each Lexus RX 350L model package and trim level.

2023 Lexus RX 350L Insurance Rates by Trim Level
2023 Lexus RX 350L Trim Level Annual Premium Cost Per Month
2WD$2,272$189
AWD$2,294$191
Luxury 2WD$2,372$198
Luxury AWD$2,394$200

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 June 27, 2025

Insurance cost by trim level for a 2023 Lexus RX 350L ranging from the 2WD model at $2,272 per year to the Luxury AWD model at $2,394
Insurance cost by trim level for a 2023 Lexus RX 350L ranging from the 2WD model at $2,272 per year to the Luxury AWD model at $2,394

The table below breaks down average Lexus RX 350L insurance cost by policy term for the 2018 to 2023 model years.

Lexus RX 350L Insurance Cost for 2018-2023 Models
Model Year and Vehicle Annual Premium Cost Per Month
2023 Lexus RX 350L$2,332$194
2022 Lexus RX 350L$2,282$190
2021 Lexus RX 350L$2,206$184
2020 Lexus RX 350L$2,138$178
2019 Lexus RX 350L$1,940$162
2018 Lexus RX 350L$1,818$152

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 350L trim levels for each model year. Updated June 26, 2025

Average annual premium and cost per month to insure 2018 to 2024 Lexus RX 350L models
Average annual premium and cost per month to insure 2018 to 2024 Lexus RX 350L models

Is insurance for a Lexus RX 350L expensive?

The Lexus RX 350L ranks seventh out of 37 total vehicles in the midsize luxury SUV category for most affordable auto insurance rates. The RX 350L costs an estimated $2,332 per year to insure, while the category average price is $2,652 per year, a difference of $320 per year.

When rates are compared to popular vehicles in the midsize luxury SUV segment, car insurance rates for a Lexus RX 350L cost $288 more per year than the Lexus RX 350, $554 less than the BMW X5, and $60 more than the Acura MDX.

The next table shows how well RX 350L car insurance rates rank against other midsize luxury SUVs like the Cadillac XT5, Lexus GX 460, and the Infiniti QX60.

Insurance Cost Comparison: Lexus RX 350L vs Midsize Luxury SUVs
Rank Make and Model Annual Premium Difference
1Lexus RX 350$2,044-$288
2Infiniti QX50$2,112-$220
3Cadillac XT5$2,166-$166
4Cadillac XT6$2,206-$126
5Acura MDX$2,272-$60
6Lincoln Nautilus$2,306-$26
7Lexus RX 350L$2,332--
8Land Rover Discovery Sport$2,334$2
9Jaguar E-Pace$2,356$24
10Volvo V90$2,376$44
11Lexus RX 450h$2,404$72
12Lexus GX 460$2,430$98
13Volvo V60$2,446$114
14Lexus RX 450hL$2,454$122
15Mercedes-Benz AMG GLB35$2,500$168
16Genesis GV80$2,504$172
17Audi SQ5$2,512$180
18Lincoln Aviator$2,532$200
19Infiniti QX60$2,548$216
20Mercedes-Benz GLE450$2,570$238
21Mercedes-Benz GLE350$2,604$272
22Land Rover Discovery$2,616$284
23Mercedes-Benz AMG GLC43$2,654$322
24Audi Q7$2,720$388
25Audi e-tron$2,814$482
26Tesla Model X$2,826$494
27Mercedes-Benz AMG GLE53$2,830$498
28BMW X5$2,886$554
29Audi Q8$2,894$562
30Land Rover Range Rover Sport$2,918$586
31Audi SQ7$3,056$724
32BMW iX$3,102$770
33BMW X6$3,160$828
34Porsche Cayenne$3,186$854
35Mercedes-Benz AMG GLE63$3,340$1,008
36Audi RS 6$3,394$1,062
37BMW XM$3,722$1,390

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 2023 model year. Updated June 26, 2025

At $2,332 per year, insurance cost for a 2023 Lexus RX 350L ranks seventh out of 37 models in the midsize luxury SUV segment
At $2,332 per year, insurance cost for a 2023 Lexus RX 350L ranks seventh out of 37 models in the midsize luxury SUV segment