Lexus RX insurance costs average $96 monthly for minimum coverage and $186 for full coverage. But, depending on your particular trim and model year, costs can range from $40 for a 2000 Lexus RX to $283 monthly for a 2025 Lexus RX.
Lexus RX Insurance Cost
Updated: December 29, 2025
Key Takeaways
Insurance costs for a 2025 Lexus RX range from $89 monthly for minimum coverage to $283 for full coverage depending on your chosen policy type.
The Lexus RX ranks 445th out of 827 vehicle models for insurance affordability in the United States vehicle market from 2000 through 2025.
GEICO provides the most affordable Lexus RX insurance with full coverage starting at $143 monthly and minimum coverage policies available for just $66 monthly.
How Much Is Lexus RX Insurance?
| Lexus Rx | $96 | $186 |
Lexus RX Insurance Cost by Model Year
Your Lexus RX model year and trim level directly impact insurance rates, with newer vehicles generally costing more because of their higher fair value. Monthly premiums for different model years span from $40 to $258, showing how much your vehicle's age affects your insurance budget.
| 2025 | $116 | $227 |
| 2024 | $111 | $217 |
| 2023 | $116 | $225 |
| 2022 | $99 | $192 |
| 2021 | $88 | $172 |
| 2020 | $79 | $155 |
| 2019 | $71 | $138 |
| 2018 | $63 | $123 |
| 2017 | $109 | $212 |
| 2016 | $97 | $189 |
| 2015 | $95 | $184 |
| 2014 | $134 | $258 |
| 2013 | $121 | $232 |
| 2012 | $103 | $198 |
| 2011 | $95 | $184 |
| 2010 | $86 | $165 |
| 2009 | $65 | $126 |
| 2008 | $84 | $163 |
| 2007 | $73 | $141 |
| 2006 | $71 | $136 |
| 2005 | $58 | $112 |
| 2004 | $75 | $144 |
| 2003 | $51 | $98 |
| 2002 | $49 | $94 |
| 2001 | $44 | $86 |
| 2000 | $40 | $77 |
Lexus RX Insurance Cost by Trim
Your Lexus RX trim affects insurance costs based on features, rarity, and market value. Monthly premiums range from $46 for basic models to $274 for luxury variants. Higher-end trims with advanced features cost much more to insure than standard utility models.
| 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 |
Lexus RX Insurance Cost by Company
Lexus RX insurance costs vary by provider from $104 to $239 monthly. Minimum coverage ranges from $66 to $152, while full coverage costs $143 to $341. Rates vary due to different risk assessment models.
| AAA | $123 | $256 |
| AIG | $139 | $348 |
| Allstate | $124 | $240 |
| Amica | $130 | $266 |
| Chubb | $125 | $251 |
| Farmers | $172 | $303 |
| GEICO | $89 | $194 |
| Kemper | $109 | $227 |
| Nationwide | $103 | $178 |
| Progressive | $110 | $206 |
| State Farm | $94 | $196 |
| The Hartford | $159 | $270 |
| Travelers | $92 | $169 |
| UAIC | $136 | $172 |
Lexus RX Insurance Cost by State
Lexus RX insurance costs vary by location, from $37 monthly in Wyoming to $386 in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, extensively affects Lexus RX insurance pricing. Monthly rates reach $356 for young drivers under 25 without violations but drop to just $141 for adult drivers between 26-64 with clean records.
| Adult Drivers | $96 | $186 |
| Young Drivers | $244 | $469 |
| Senior Drivers | $128 | $235 |
| Drivers With a Speeding Ticket | $119 | $233 |
| Drivers With an Accident | $141 | $272 |
| Drivers With a DUI | $176 | $339 |
| Drivers With Bad Credit | $228 | $460 |
Is a Lexus RX Expensive to Insure?
You might be concerned about Lexus insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a Lexus RX ranks 445th out of 827, making it one of the more expensive cars to insure. Among midsize luxury SUVs, the model ranks 9th out of 28.
| Lincoln Aviator | $63 | $123 |
| Jaguar S-Type | $67 | $130 |
| Alfa Romeo Stelvio | $67 | $131 |
| Buick Rainier | $72 | $139 |
| Infiniti QX | $74 | $142 |
| Land Rover LR3 | $74 | $143 |
| Mercedes M-Class | $74 | $144 |
| Infiniti FX | $87 | $169 |
| Lexus RX | $96 | $186 |
| Lexus GX | $96 | $187 |
| Land Rover Discovery | $98 | $191 |
| Land Rover LR4 | $98 | $190 |
| Audi Q7 | $99 | $192 |
| Lexus RZ | $100 | $195 |
| Mercedes GLC | $103 | $200 |
| Volvo XC90 | $107 | $207 |
| Mercedes GLE | $112 | $218 |
| Audi Q8 | $116 | $225 |
| Genesis GV70 | $121 | $236 |
| Lincoln Nautilus | $121 | $236 |
| Mercedes EQE | $122 | $239 |
| Cadillac Visitiq | $129 | $253 |
| Bmw iX | $145 | $284 |
| Rivian R1S | $146 | $286 |
| Audi e-tron | $152 | $298 |
| Maserati Levante | $178 | $347 |
| Audi Q6 e-tron | $317 | $625 |
| Audi SQ8 e-tron | $426 | $838 |
Factors That Affect Lexus Car Insurance Costs
Several factors affect what you'll pay for Lexus RX insurance coverage:
- Age (57.6 years median): Older drivers benefit from experience-based rate reductions and mature driving behaviors that insurers reward.
- Gender (50.4% female): Higher female ownership than the luxury segment average (40.6%) correlates with lower risk profiles and accident frequency.
- Income (47% under $150,000): More moderate incomes than German luxury competitors, though still sufficient for comprehensive coverage selection and stable policy maintenance.
Average Repair or Replacement Costs
Lexus ranks 24th in repair affordability among 59 U.S. automakers with median annual costs of $1,034. Lexus RX repair costs average $1,043 annually, making it one of Lexus's most expensive models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The RX lineup spans from 275 hp (RX 350) to 366 hp (RX 500h) across 14 different trim levels. Base models start at $50,475 MSRP while range-topping RX 450h+ Luxury reaches $72,610, with luxury features impacting repair costs.
Higher trims include premium components like Mark Levinson audio systems, panoramic glass roofs, 21-inch wheels, and semi-aniline leather interiors. These luxury appointments require specialized repair techniques and expensive parts, leading to higher comprehensive coverage premiums than entry-level trims.
Fuel Type
RX offers four powertrain options: gas-only RX 350 (275 hp), RX 350h hybrid (246 hp), RX 450h+ plug-in hybrid (304 hp) and RX 500h performance hybrid (366 hp). Hybrid models use expensive nickel-metal hydride or lithium-ion battery systems.
Hybrid and PHEV variants require specialized technicians and costly battery replacements, driving up repair expenses. The RX 350h achieves 36 mpg combined while the plug-in RX 450h+ offers 37 miles of electric range, but these efficiency gains come with higher insurance costs due to complex powertrains.
Location
As a luxury vehicle popular in affluent suburban areas, the RX commands higher premiums in metropolitan regions with elevated theft and collision risks.
The vehicle's popularity among higher-income demographics means labor costs, theft rates and accident frequency increase claim expenses. Rural areas typically see lower premiums due to reduced exposure to comprehensive and collision losses.
Driver Profile
Typical RX owners are mature luxury buyers (average age 57.6 years) with established financial stability. But, 46.8% of RX buyers have household incomes under $150,000, lower than BMW (35.2%) and Mercedes (40.3%) customers.
Driver demographics affect RX rates:
How to Lower the Cost of Lexus RX Insurance
Below we explore the top car insurance discounts available for your Lexus RX:
- 1Choose the right coverage
You'll need to determine how much coverage to buy. If you own your Lexus, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Lexus RX, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. We found that Lexus RX owners are likely to qualify for a safety features discount, a multi-vehicle discount, a bundling/multi-policy discount, a good driver discount and an anti-theft device discount.
- 5Consider alternative car insurance types
Lexus RX owners should consider usage-based insurance or programs like GEICO DriveEasy that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Lexus RX insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Lexus RX Insurance Cost: Bottom Line
Insuring a Lexus RX costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Lexus RX Insurance Rates: FAQ
Here are answers to common questions about insuring a Lexus RX.
What is the average cost of car insurance for a Lexus RX?
The Lexus RX's average annual insurance cost is $1,147 for minimum coverage and $2,230 for full coverage.
What company has the cheapest car insurance for a Lexus RX?
RX drivers looking for full coverage auto insurance will find GEICO offers the most affordable option at $143 monthly. For those seeking basic minimum coverage, GEICO again leads with the cheapest rates at $66 per month for RX owners.
Are Lexus RXs expensive to insure?
Yes, Lexus RX insurance costs more than most cars. Out of 827 vehicles we track, the RX ranks 445th for affordability. Among midsize luxury SUVs, the model ranks 9th out of 28.
What factors affect insurance costs for Lexus RXs?
Several things drive up your Lexus RX rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer Lexus-certified repair shops cost more.
How can I lower Lexus RX insurance costs?
Shop around with multiple insurers as rates vary for Lexus vehicles, and consider usage-based insurance programs that track your driving habits. Take advantage of Lexus's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Lexus RX Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Lexus RX insurance costs.
Who We Based These Rates On
These Lexus RXprices reflect what a typical 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.