Newer Lexus RX models cost more to insure than older ones, with monthly premiums ranging from $227 for 2025 models down to $40 for the 2000 model.
Lexus RX Insurance Cost
Updated: January 30, 2026
Key Takeaways
GEICO offers the most affordable rates on average for Lexus RX owners, though full coverage costs average $186 monthly and vary by model year and insurer choice. Read more
SUVs cost more to insure due to higher repair costs and accident severity, placing the RX at 118th out of 256 SUVs for affordability in the middle tier range. Read more
Teen drivers on your policy make model-year specificity crucial for accurate Lexus RX insurance quotes, as rates vary by year and insurer. Read MoneyGeek's analysis of rates by company for specific RX model years, depending on the age of the drivers
How Much Is Lexus RX Insurance?
Insurance rates depend on model year and insurer. Lexus RX minimum coverage costs range from $66 monthly with GEICO to $152 with UAIC, while full coverage spans $143 with GEICO to $341 with AIG.
These cost differences (more than $86 for minimum coverage and $198 for full coverage) demonstrate why Lexus RX owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| AAA | $107 | $222 |
| AIG | $136 | $341 |
| Allstate | $122 | $235 |
| Amica | $118 | $242 |
| Chubb | $132 | $262 |
| Farmers | $145 | $255 |
| Geico | $66 | $143 |
| Kemper | $109 | $222 |
| Nationwide | $98 | $170 |
| Progressive | $92 | $172 |
| State Farm | $87 | $181 |
| The Hartford | $103 | $175 |
| Travelers | $82 | $151 |
| UAIC | $152 | $192 |
Is Lexus RX Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Lexus RX ranking 118th for insurance affordability, meaning 117 SUVs cost less to insure. It's positioned between the slightly cheaper Lexus UX and the marginally pricier Mitsubishi Endeavor, with costs differing by just a few dollars monthly. This middle-tier placement among SUVs provides helpful context for potential buyers.
While it's middle of the pack for SUVs, the RX ranks 445th out of 827 total vehicles, placing it among the more expensive half to insure. SUVs generally carry higher premiums, which explains this positioning. The most affordable SUV is the Isuzu Amigo, while the Audi SQ8 e-tron commands the highest insurance costs.
| Audi Q3 | $140 | 115 |
| Mazda CX-90 | $140 | 116 |
| Lexus UX | $141 | 117 |
| Lexus RX | $141 | 118 |
| Mitsubishi Endeavor | $141 | 119 |
| Kia Seltos | $141 | 119 |
| Lexus GX | $142 | 120 |
| Land Rover Range Rover Evoque | $142 | 120 |
| BMW X1 | $142 | 121 |
Several factors affect what you'll pay for Lexus RX insurance:
- Average Repair or Replacement Costs: The Lexus RX's $1,043 annual repair costs make it relatively affordable to maintain, ranking as the 11th most budget-friendly model among Lexus's 19 vehicles.
- Vehicle Trim, Features and Accessories: Higher-performance trims cost more to insure due to increased horsepower output. The RX's performance capabilities range from 295 to 450 horsepower, depending on trim, with more powerful variants attracting higher premiums.
- Driver Profile: Most Lexus RX drivers fall into the 45 to 55 age range, earning lower rates due to responsible driving habits. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Lexus RXs for young drivers.
Lexus RX Insurance Cost by State
Car insurance for a Lexus RX ranges from $51 monthly in Wyoming to $280 monthly in Louisiana for minimum coverage. Location affects rates based on regional risk factors and state insurance regulations, not the vehicle itself.
| Alabama | $81 | $154 |
| Alaska | $68 | $144 |
| Arizona | $112 | $211 |
| Arkansas | $81 | $181 |
| California | $92 | $186 |
| Colorado | $95 | $227 |
| Connecticut | $128 | $221 |
| Delaware | $127 | $214 |
| Florida | $115 | $268 |
| Georgia | $138 | $228 |
| Hawaii | $49 | $112 |
| Idaho | $51 | $105 |
| Illinois | $89 | $166 |
| Indiana | $64 | $125 |
| Iowa | $56 | $136 |
| Kansas | $70 | $164 |
| Kentucky | $117 | $199 |
| Louisiana | $181 | $386 |
| Maine | $51 | $106 |
| Maryland | $145 | $245 |
| Massachusetts | $97 | $206 |
| Michigan | $150 | $290 |
| Minnesota | $78 | $164 |
| Mississippi | $85 | $169 |
| Missouri | $117 | $235 |
| Montana | $72 | $172 |
| Nebraska | $72 | $164 |
| Nevada | $163 | $295 |
| New Hampshire | $67 | $119 |
| New Jersey | $152 | $250 |
| New Mexico | $78 | $174 |
| New York | $114 | $205 |
| North Carolina | $79 | $156 |
| North Dakota | $61 | $134 |
| Ohio | $74 | $144 |
| Oklahoma | $91 | $201 |
| Oregon | $109 | $191 |
| Pennsylvania | $85 | $200 |
| Rhode Island | $117 | $209 |
| South Carolina | $95 | $178 |
| South Dakota | $54 | $168 |
| Tennessee | $75 | $153 |
| Texas | $119 | $244 |
| Utah | $102 | $175 |
| Vermont | $45 | $107 |
| Virginia | $91 | $148 |
| Washington | $87 | $161 |
| West Virginia | $85 | $174 |
| Wisconsin | $63 | $140 |
| Wyoming | $37 | $118 |
Lexus RX Costs by Model Year and Insurance Company
Model year plays a huge role in determining your Lexus RX insurance costs, along with driver age on your policy. A 35- to 55-year-old driver pays around $189 monthly for full coverage on a 2016 Lexus RX compared to $227 for a 2025 model. Newer car models tend to be much more expensive than older models, and young drivers in their teens and early twenties will pay much more to insure across all years.
GEICO offers the cheapest rates across all model years for minimum coverage.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Lexus RX
| Geico | $86 | $188 |
| Travelers | $97 | $180 |
| State Farm | $99 | $208 |
| National General | $102 | $208 |
| Progressive | $104 | $195 |
| Nationwide | $105 | $183 |
| Kemper | $130 | $265 |
| The Hartford | $135 | $230 |
| AAA | $140 | $292 |
| Allstate | $151 | $292 |
| Amica | $154 | $317 |
| Chubb | $169 | $338 |
| AIG | $174 | $436 |
| UAIC | $184 | $233 |
| Farmers | $188 | $333 |
Cost of Car Insurance for 2024 Lexus RX
| Geico | $82 | $180 |
| Travelers | $93 | $172 |
| State Farm | $95 | $199 |
| National General | $97 | $199 |
| Progressive | $99 | $186 |
| Nationwide | $101 | $175 |
| Kemper | $124 | $253 |
| The Hartford | $129 | $219 |
| AAA | $134 | $279 |
| Allstate | $145 | $279 |
| Amica | $148 | $303 |
| Chubb | $162 | $323 |
| AIG | $166 | $417 |
| UAIC | $176 | $222 |
| Farmers | $180 | $318 |
Cost of Car Insurance for 2023 Lexus RX
| Geico | $80 | $174 |
| National General | $92 | $189 |
| Travelers | $99 | $183 |
| Progressive | $103 | $192 |
| State Farm | $106 | $223 |
| Nationwide | $115 | $199 |
| The Hartford | $120 | $204 |
| AAA | $128 | $265 |
| Kemper | $140 | $284 |
| Amica | $141 | $290 |
| Allstate | $144 | $278 |
| AIG | $165 | $416 |
| Chubb | $168 | $334 |
| Farmers | $179 | $316 |
| UAIC | $183 | $232 |
Cost of Car Insurance for 2022 Lexus RX
| Geico | $68 | $149 |
| National General | $79 | $162 |
| Travelers | $85 | $157 |
| Progressive | $88 | $164 |
| State Farm | $91 | $190 |
| Nationwide | $98 | $170 |
| The Hartford | $102 | $174 |
| AAA | $109 | $226 |
| Kemper | $119 | $243 |
| Amica | $121 | $247 |
| Allstate | $123 | $237 |
| AIG | $141 | $355 |
| Chubb | $143 | $285 |
| Farmers | $153 | $270 |
| UAIC | $156 | $198 |
Cost of Car Insurance for 2021 Lexus RX
| Geico | $61 | $133 |
| National General | $71 | $145 |
| Travelers | $76 | $140 |
| Progressive | $78 | $147 |
| State Farm | $81 | $170 |
| Nationwide | $88 | $152 |
| The Hartford | $92 | $156 |
| AAA | $97 | $202 |
| Kemper | $107 | $217 |
| Amica | $108 | $221 |
| Allstate | $110 | $212 |
| AIG | $126 | $317 |
| Chubb | $128 | $255 |
| Farmers | $137 | $242 |
| UAIC | $140 | $177 |
Cost of Car Insurance for 2020 Lexus RX
| Geico | $55 | $120 |
| National General | $64 | $130 |
| Travelers | $68 | $126 |
| Progressive | $71 | $132 |
| State Farm | $73 | $153 |
| Nationwide | $79 | $137 |
| The Hartford | $82 | $141 |
| AAA | $88 | $182 |
| Kemper | $96 | $195 |
| Amica | $97 | $199 |
| Allstate | $99 | $191 |
| AIG | $113 | $286 |
| Chubb | $116 | $230 |
| Farmers | $123 | $218 |
| UAIC | $126 | $160 |
Cost of Car Insurance for 2019 Lexus RX
| Geico | $49 | $107 |
| National General | $57 | $116 |
| Travelers | $61 | $112 |
| Progressive | $63 | $118 |
| State Farm | $65 | $137 |
| Nationwide | $70 | $122 |
| The Hartford | $73 | $125 |
| AAA | $78 | $162 |
| Kemper | $86 | $174 |
| Amica | $87 | $178 |
| Allstate | $89 | $171 |
| AIG | $101 | $255 |
| Chubb | $103 | $205 |
| Farmers | $110 | $194 |
| UAIC | $112 | $142 |
Cost of Car Insurance for 2018 Lexus RX
| Geico | $43 | $95 |
| National General | $50 | $103 |
| Travelers | $54 | $100 |
| Progressive | $56 | $105 |
| State Farm | $58 | $121 |
| Nationwide | $63 | $108 |
| The Hartford | $65 | $111 |
| AAA | $69 | $144 |
| Kemper | $76 | $155 |
| Amica | $77 | $158 |
| Allstate | $79 | $151 |
| AIG | $90 | $226 |
| Chubb | $92 | $182 |
| Farmers | $97 | $172 |
| UAIC | $100 | $126 |
Cost of Car Insurance for 2017 Lexus RX
| Geico | $73 | $158 |
| National General | $84 | $171 |
| Travelers | $89 | $165 |
| State Farm | $105 | $220 |
| Kemper | $117 | $240 |
| The Hartford | $118 | $202 |
| AAA | $122 | $253 |
| Progressive | $124 | $232 |
| Nationwide | $128 | $222 |
| Chubb | $129 | $257 |
| Amica | $130 | $267 |
| Allstate | $132 | $255 |
| AIG | $151 | $374 |
| UAIC | $153 | $190 |
| Farmers | $156 | $276 |
Cost of Car Insurance for 2016 Lexus RX
| Geico | $65 | $140 |
| National General | $74 | $152 |
| Travelers | $79 | $147 |
| State Farm | $94 | $195 |
| Kemper | $104 | $213 |
| The Hartford | $105 | $179 |
| AAA | $109 | $225 |
| Progressive | $110 | $206 |
| Nationwide | $114 | $197 |
| Chubb | $114 | $228 |
| Amica | $116 | $238 |
| Allstate | $117 | $227 |
| AIG | $134 | $333 |
| UAIC | $136 | $169 |
| Farmers | $138 | $245 |
Lexus RX Insurance Cost by Trim
Insurance costs for your Lexus RX vary by trim level, from $46 monthly for minimum coverage on basic RX 300 Sport Utility 4D models to higher rates for performance-oriented variants like the RX 350 F Sport Crafted Line. Performance features and market value determine where each trim falls in this range.
| Rx 300 Sport Utility 4d | $46 | $89 |
| Rx 330 Sport Utility 4d | $68 | $131 |
| Rx 350l Sport Utility 4d | $77 | $149 |
| Rx 400h Sport Utility 4d | $77 | $149 |
| Rx 350 F Sport Crafted Line Sport Utility 4d | $78 | $152 |
| Rx 450hl Sport Utility 4d | $82 | $160 |
| Rx 350 F Sport Suv 4d | $83 | $161 |
| Rx 450h F Sport Suv 4d | $88 | $171 |
| Rx 450h F Sport Suv 4d | $89 | $174 |
| Rx 350 Sport Utility 4d | $90 | $174 |
| Rx 450hl Luxury Sport Utility 4d | $94 | $183 |
| Rx 450h Sport Utility 4d | $97 | $188 |
| Rx 350 | $98 | $191 |
| Rx 350 F Sport Handling Sport Utility 4d | $100 | $196 |
| Rx 350l Luxury Sport Utility 4d | $101 | $198 |
| Rx 450h F Sport Handling Sport Utility 4d | $102 | $199 |
| Rx 350 Premium | $103 | $201 |
| Rx 350 F Sport Suv 4d | $104 | $202 |
| Rx 350h | $104 | $203 |
| Rx 350 Premium+ | $107 | $209 |
| Rx 350h Premium | $109 | $212 |
| Rx 350 F Sport Design | $109 | $213 |
| Rx 350h Premium+ | $112 | $219 |
| Rx 350 Premium Sport Utility 4d | $113 | $221 |
| Rx 350h Sport Utility 4d | $113 | $221 |
| Rx 350h F Sport Design | $114 | $222 |
| Rx 350 Luxury Sport Utility 4d | $114 | $223 |
| Rx 350h Premium Sport Utility 4d | $114 | $223 |
| Rx 350 F Sport Handling | $115 | $223 |
| Rx 350 Premium+ Sport Utility 4d | $115 | $225 |
| Rx 350h Premium+ Sport Utility 4d | $115 | $225 |
| Rx 350 Luxury | $118 | $230 |
| Rx 350h Luxury Sport Utility 4d | $120 | $234 |
| Rx 350h Luxury | $123 | $240 |
| Rx 500h F Sport Performance Sport Utility 4d | $124 | $241 |
| Rx 500h F Sport Performance | $129 | $251 |
| Rx 450h+ Luxury | $141 | $274 |
How to Lower the Cost of Lexus RX Insurance
Here are proven strategies to help you find affordable Lexus RX insurance rates:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Lexus RX. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for luxury SUVs. This benchmark assists with shopping for the cheapest car insurance companies offering competitive rates. Understanding typical costs helps you spot genuine deals versus inflated quotes when comparing providers across different markets.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond price alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims handling, review Better Business Bureau records and confirm AM Best financial ratings. Budget options might provide limited coverage or slower service, especially important for luxury vehicle repairs and specialized parts availability.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Lexus RX owners qualify for safety features discounts, good driver rewards, bundling savings and anti-theft device reductions.
- 5Consider alternative car insurance types
Lexus RX owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These plans track safe driving habits and deliver premium reductions. Pay-per-mile options work well for business owners with short commutes rather than daily long-distance travel.
- 6Check rates every year
Obtain car insurance quotes from several companies annually. Insurers don't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Lexus RX insurance. Market conditions change frequently, and new discounts become available. Set a calendar reminder to shop rates before your policy renewal date each year.
Lexus RX Insurance Cost: Bottom Line
Lexus RX insurance runs average in cost, but you can still secure decent rates. Compare quotes from multiple insurers, claim available discounts and adjust your coverage choices to find better pricing.
Lexus RX Insurance Rates: FAQ
What is the average cost of car insurance for a Lexus RX?
Insurance for the Lexus RX averages $1,147 annually for minimum coverage and $2,230 for full coverage. These rates make it relatively affordable compared to other luxury SUVs.
What company has the cheapest car insurance for a Lexus RX?
GEICO provides the most affordable minimum coverage for a Lexus RX at $789 annually. The insurer also delivers the best value for full coverage at $1,716 per year.
Are Lexus RXs expensive to insure?
No, Lexus RX insurance is not more expensive than most vehicles to insure. Among SUVs, this model ranks 118th out of 256 for affordability, while placing 445th out of 827 total vehicles we track.
What factors affect insurance costs for Lexus RXs?
Multiple factors affect Lexus RX insurance costs, though rates remain reasonable for a luxury SUV. High-end parts make repairs expensive, but advanced safety features help reduce accident claims and lower theft rates work in your favor. Your driving record, credit score and coverage selections ultimately determine your final premium.
How can I lower Lexus RX insurance costs?
Compare quotes from several insurers since Lexus RX costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to secure better rates.
How We Determined Lexus RX Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Lexus RX insurance costs.
Who We Based These Rates On
These Lexus RX rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.