- 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.

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 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
The table below breaks down average Lexus RX 350L insurance cost by policy term for the 2018 to 2023 model years.
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
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.
Rank | Make and Model | Annual Premium | Difference |
---|---|---|---|
1 | Lexus RX 350 | $2,044 | -$288 |
2 | Infiniti QX50 | $2,112 | -$220 |
3 | Cadillac XT5 | $2,166 | -$166 |
4 | Cadillac XT6 | $2,206 | -$126 |
5 | Acura MDX | $2,272 | -$60 |
6 | Lincoln Nautilus | $2,306 | -$26 |
7 | Lexus RX 350L | $2,332 | -- |
8 | Land Rover Discovery Sport | $2,334 | $2 |
9 | Jaguar E-Pace | $2,356 | $24 |
10 | Volvo V90 | $2,376 | $44 |
11 | Lexus RX 450h | $2,404 | $72 |
12 | Lexus GX 460 | $2,430 | $98 |
13 | Volvo V60 | $2,446 | $114 |
14 | Lexus RX 450hL | $2,454 | $122 |
15 | Mercedes-Benz AMG GLB35 | $2,500 | $168 |
16 | Genesis GV80 | $2,504 | $172 |
17 | Audi SQ5 | $2,512 | $180 |
18 | Lincoln Aviator | $2,532 | $200 |
19 | Infiniti QX60 | $2,548 | $216 |
20 | Mercedes-Benz GLE450 | $2,570 | $238 |
21 | Mercedes-Benz GLE350 | $2,604 | $272 |
22 | Land Rover Discovery | $2,616 | $284 |
23 | Mercedes-Benz AMG GLC43 | $2,654 | $322 |
24 | Audi Q7 | $2,720 | $388 |
25 | Audi e-tron | $2,814 | $482 |
26 | Tesla Model X | $2,826 | $494 |
27 | Mercedes-Benz AMG GLE53 | $2,830 | $498 |
28 | BMW X5 | $2,886 | $554 |
29 | Audi Q8 | $2,894 | $562 |
30 | Land Rover Range Rover Sport | $2,918 | $586 |
31 | Audi SQ7 | $3,056 | $724 |
32 | BMW iX | $3,102 | $770 |
33 | BMW X6 | $3,160 | $828 |
34 | Porsche Cayenne | $3,186 | $854 |
35 | Mercedes-Benz AMG GLE63 | $3,340 | $1,008 |
36 | Audi RS 6 | $3,394 | $1,062 |
37 | BMW 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