Insurance premiums for a Lexus RX average $186 a month for full coverage and $96 for minimum coverage. Depending on your trim and model year, costs can range from $46 to $274 a month.
Lexus RX Insurance Cost
Updated: May 15, 2026
Key Takeaways
GEICO offers the most affordable Lexus RX insurance on average, though full coverage costs vary by model year and insurer. You'll pay around $186 a month for comprehensive protection. Read more.
The RX ranks 118th out of 256 SUVs for insurance affordability, placing it in the middle tier among SUVs. SUVs still cost more to insure than other vehicle types due to higher repair costs and theft risk, so the RX runs expensive compared to all vehicle types. Read more.
Teen drivers on your policy make model year accuracy crucial for getting precise Lexus RX insurance quotes. Rates can differ by hundreds of dollars between model years, so you'll want exact comparisons for your vehicle. 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?
| Lexus Rx | $96 | $186 |
Looking for another Lexus model? Read more about the cost of Lexus car insurance models.
Your Lexus RX's age directly impacts what you'll pay for insurance, with monthly costs ranging from $63 for older models to $134 for newer ones for minimum coverage. Like other vehicles, newer Lexus RXs cost more to insure because they have a higher fair market value.
Costs vary by model year and insurer. Lexus RX minimum coverage insurance costs range from $83 a month with GEICO to $207 with UAIC. Full coverage costs range from $179 a month with GEICO to $505 with AIG.
RX owners should shop between insurers since minimum coverage varies by over $120 and full coverage by over $300. Insurance companies use different risk calculations for the RX that affect 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 models cost less to insure. It's positioned between two familiar options: a few dollars per month pricier than the Lexus UX and slightly cheaper than the Mitsubishi Endeavor.
The RX ranks 445th out of 827 total vehicles in our database. SUVs generally carry higher premiums than other vehicle types. The most affordable SUV to insure is the Isuzu Amigo, while the Audi SQ8 e-tron commands the highest rates.
| 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 |
Multiple 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. This moderate maintenance expense helps keep insurance premiums reasonable.
- Vehicle trim, features and accessories: With horsepower ranging from 295 to 450 across different trims, the RX's performance capabilities directly impact your premiums. High-performance variants cost more to insure due to their power output and associated risk factors.
- Driver profile: The typical Lexus RX owner is 40 to 50 years old, an age group that tends to enjoy lower insurance rates due to responsible driving habits. The RX's performance reputation, though, can attract risk-taking behaviors that concern insurers. Read more about the costs of Lexus RXs for young drivers.
Lexus RX Costs by Model Year and Driver Age by Insurance Company
Lexus RX insurance costs depend on the model year and the driver's age. Newer models cost more to insure than older ones. Full coverage for a 35- to 55-year-old driver averages $533 a month for a 2025 Lexus RX compared to $178 for a 2017 model. Drivers in their teens and early 20s pay much higher rates.
Drivers can save money on RX insurance by comparing quotes from multiple insurers. GEICO offers the cheapest average rates across all model years and can save drivers hundreds of dollars a month compared to the national average.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Lexus RX
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
2025 Lexus RX Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $781 | $687 | $608 | $525 | $464 | $394 | $358 | $320 | $293 | $258 |
| Nationwide | $828 | $757 | $697 | $591 | $500 | $324 | $301 | $281 | $265 | $238 |
| Geico | $1,069 | $781 | $656 | $477 | $410 | $331 | $305 | $252 | $238 | $216 |
| Travelers | $1,088 | $785 | $621 | $479 | $424 | $308 | $282 | $261 | $241 | $207 |
| Allstate | $1,397 | $1,093 | $882 | $652 | $583 | $455 | $412 | $389 | $367 | $325 |
| Progressive | $1,410 | $1,140 | $946 | $527 | $460 | $371 | $331 | $295 | $272 | $234 |
| Farmers | $2,084 | $1,543 | $1,372 | $853 | $805 | $612 | $546 | $521 | $496 | $416 |
Cost of Car Insurance for 2024 Lexus RX
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
2024 Lexus RX Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $746 | $657 | $581 | $502 | $443 | $376 | $342 | $306 | $280 | $246 |
| Nationwide | $791 | $724 | $666 | $565 | $478 | $310 | $287 | $268 | $254 | $227 |
| Geico | $1,022 | $746 | $627 | $456 | $391 | $316 | $292 | $241 | $228 | $207 |
| Travelers | $1,039 | $750 | $594 | $458 | $405 | $295 | $269 | $249 | $230 | $198 |
| Allstate | $1,335 | $1,045 | $843 | $623 | $558 | $435 | $394 | $372 | $351 | $310 |
| Progressive | $1,348 | $1,090 | $904 | $503 | $439 | $355 | $316 | $282 | $260 | $223 |
| Farmers | $1,992 | $1,475 | $1,311 | $815 | $769 | $585 | $521 | $498 | $474 | $398 |
Cost of Car Insurance for 2023 Lexus RX
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
2023 Lexus RX Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $837 | $737 | $652 | $563 | $497 | $422 | $384 | $343 | $314 | $276 |
| Nationwide | $905 | $826 | $761 | $646 | $546 | $354 | $328 | $306 | $289 | $259 |
| Geico | $982 | $719 | $604 | $439 | $378 | $305 | $281 | $233 | $220 | $200 |
| Travelers | $1,077 | $781 | $617 | $478 | $421 | $313 | $286 | $264 | $244 | $211 |
| Allstate | $1,337 | $1,046 | $842 | $620 | $556 | $433 | $393 | $371 | $349 | $309 |
| Progressive | $1,397 | $1,129 | $937 | $521 | $455 | $367 | $327 | $292 | $269 | $231 |
| Farmers | $1,956 | $1,446 | $1,288 | $807 | $762 | $581 | $517 | $495 | $470 | $396 |
Cost of Car Insurance for 2022 Lexus RX
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
2022 Lexus RX Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $715 | $629 | $557 | $481 | $424 | $360 | $328 | $293 | $268 | $236 |
| Nationwide | $772 | $705 | $650 | $552 | $466 | $302 | $280 | $262 | $247 | $221 |
| Geico | $839 | $614 | $516 | $375 | $323 | $261 | $240 | $199 | $188 | $171 |
| Travelers | $920 | $667 | $527 | $408 | $360 | $267 | $244 | $225 | $208 | $180 |
| Allstate | $1,142 | $893 | $719 | $530 | $474 | $370 | $335 | $317 | $298 | $264 |
| Progressive | $1,193 | $964 | $800 | $445 | $388 | $313 | $279 | $249 | $229 | $197 |
| Farmers | $1,670 | $1,234 | $1,099 | $689 | $651 | $496 | $441 | $422 | $401 | $338 |
Cost of Car Insurance for 2021 Lexus RX
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
2021 Lexus RX Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $640 | $563 | $498 | $430 | $380 | $322 | $293 | $262 | $240 | $211 |
| Nationwide | $691 | $631 | $582 | $493 | $417 | $270 | $251 | $234 | $221 | $198 |
| Geico | $750 | $549 | $461 | $336 | $289 | $233 | $215 | $178 | $168 | $153 |
| Travelers | $823 | $597 | $471 | $365 | $322 | $239 | $218 | $202 | $186 | $161 |
| Allstate | $1,021 | $799 | $643 | $474 | $424 | $331 | $300 | $283 | $267 | $236 |
| Progressive | $1,067 | $863 | $716 | $398 | $347 | $280 | $250 | $223 | $205 | $176 |
| Farmers | $1,494 | $1,104 | $984 | $617 | $582 | $444 | $395 | $378 | $359 | $302 |
Cost of Car Insurance for 2020 Lexus RX
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
2020 Lexus RX Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $576 | $507 | $448 | $387 | $342 | $290 | $264 | $236 | $216 | $190 |
| Nationwide | $622 | $568 | $524 | $444 | $375 | $244 | $226 | $211 | $199 | $178 |
| Geico | $676 | $495 | $415 | $302 | $260 | $210 | $194 | $160 | $152 | $138 |
| Travelers | $741 | $537 | $424 | $328 | $290 | $215 | $197 | $182 | $168 | $145 |
| Allstate | $920 | $719 | $579 | $427 | $382 | $298 | $270 | $255 | $240 | $213 |
| Progressive | $961 | $777 | $644 | $358 | $313 | $252 | $225 | $201 | $185 | $159 |
| Farmers | $1,345 | $994 | $886 | $555 | $524 | $400 | $356 | $340 | $323 | $272 |
Cost of Car Insurance for 2019 Lexus RX
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
2019 Lexus RX Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $514 | $452 | $400 | $345 | $305 | $259 | $235 | $210 | $192 | $169 |
| Nationwide | $555 | $507 | $467 | $396 | $335 | $217 | $201 | $188 | $178 | $159 |
| Geico | $602 | $441 | $370 | $269 | $232 | $187 | $173 | $143 | $135 | $123 |
| Travelers | $661 | $479 | $378 | $293 | $258 | $192 | $175 | $162 | $149 | $130 |
| Allstate | $820 | $641 | $516 | $381 | $341 | $266 | $241 | $227 | $214 | $189 |
| Progressive | $857 | $693 | $575 | $319 | $279 | $225 | $201 | $179 | $165 | $141 |
| Farmers | $1,200 | $887 | $790 | $495 | $468 | $356 | $317 | $303 | $288 | $243 |
Cost of Car Insurance for 2018 Lexus RX
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
2018 Lexus RX Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $456 | $401 | $355 | $306 | $271 | $230 | $209 | $187 | $171 | $150 |
| Nationwide | $492 | $450 | $414 | $352 | $297 | $193 | $179 | $167 | $158 | $141 |
| Geico | $535 | $392 | $329 | $239 | $206 | $166 | $153 | $127 | $120 | $109 |
| Travelers | $586 | $425 | $336 | $260 | $229 | $170 | $156 | $144 | $133 | $115 |
| Allstate | $728 | $569 | $458 | $338 | $302 | $236 | $214 | $202 | $190 | $168 |
| Progressive | $761 | $615 | $510 | $284 | $248 | $200 | $178 | $159 | $146 | $126 |
| Farmers | $1,065 | $787 | $701 | $439 | $415 | $316 | $281 | $269 | $256 | $216 |
Cost of Car Insurance for 2017 Lexus RX
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
2017 Lexus RX Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $826 | $726 | $643 | $555 | $490 | $416 | $378 | $338 | $309 | $272 |
| Geico | $888 | $649 | $545 | $396 | $341 | $276 | $254 | $210 | $199 | $181 |
| Travelers | $982 | $714 | $566 | $438 | $387 | $283 | $259 | $240 | $222 | $190 |
| Nationwide | $1,004 | $920 | $846 | $719 | $607 | $393 | $365 | $341 | $322 | $288 |
| Allstate | $1,225 | $962 | $773 | $567 | $509 | $397 | $360 | $340 | $320 | $283 |
| Progressive | $1,694 | $1,367 | $1,134 | $630 | $549 | $443 | $395 | $352 | $324 | $278 |
| Farmers | $1,714 | $1,267 | $1,128 | $703 | $663 | $502 | $448 | $429 | $408 | $344 |
Cost of Car Insurance for 2016 Lexus RX
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
2016 Lexus RX Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $735 | $646 | $572 | $494 | $436 | $371 | $337 | $301 | $275 | $242 |
| Geico | $790 | $578 | $485 | $352 | $303 | $245 | $226 | $187 | $177 | $161 |
| Travelers | $873 | $635 | $503 | $389 | $344 | $252 | $231 | $213 | $197 | $169 |
| Nationwide | $893 | $818 | $753 | $639 | $540 | $350 | $325 | $303 | $286 | $256 |
| Allstate | $1,090 | $855 | $687 | $505 | $452 | $353 | $321 | $303 | $285 | $252 |
| Progressive | $1,508 | $1,218 | $1,010 | $561 | $489 | $395 | $352 | $314 | $289 | $248 |
| Farmers | $1,523 | $1,126 | $1,003 | $625 | $590 | $446 | $399 | $381 | $362 | $306 |
Lexus RX Insurance Cost by Trim
Your Lexus RX trim level can make a big difference in insurance costs. Minimum coverage for the RX 300 Sport Utility 4D averages $46 a month, while full coverage for the RX 450h+ Luxury averages $274. Performance features and market value influence how insurers price each trim.
| 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 State
Car insurance for a Lexus RX costs anywhere from $37 a month in Wyoming to $181 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not anything particular to 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 |
How to Lower the Cost of Lexus RX Insurance
We've compiled the best strategies to help you lower your Lexus RX insurance costs:
- 1Choose the right coverage
Decide how much coverage to buy for your Lexus RX based on your situation. Drivers who own their vehicles can choose state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Drivers who want more protection can 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 a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for luxury SUVs. This helps you identify the cheapest car insurance companies offering competitive rates and spot genuine deals versus inflated quotes.
- 3Look for more than just low rates
Reliable car insurance requires more than comparing quotes. Look up J.D. Power satisfaction ratings, forum discussions about claims processing, Better Business Bureau complaints and AM Best financial stability ratings. Budget options may provide limited coverage or slower service when you need it most.
- 4Explore discounts you qualify for
Car insurance discounts can reduce what you pay for Lexus RX coverage. Owners commonly qualify for safety features discounts, good driver rewards, policy bundling savings and anti-theft device reductions. Many insurers also offer multi-vehicle discounts if you insure more than one car with the same company.
- 5Consider alternative car insurance types
Lexus RX owners may benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise. These programs track your driving habits and reduce premiums based on safe driving behavior, potentially saving careful drivers hundreds of dollars on their luxury SUV coverage.
- 6Check rates every year
Get car insurance quotes from multiple companies every year. Your insurer won't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Lexus RX insurance. Set a calendar reminder to compare rates before your policy renewal date.
Lexus RX Insurance Cost: Bottom Line
Lexus RX insurance runs average in cost, but you can still find competitive rates. Comparing multiple companies and claiming available discounts can lead to better pricing for your coverage.
Lexus RX Insurance Rates: FAQ
What is the average cost of car insurance for a Lexus RX?
Insurance for a Lexus RX costs $1,147 annually for minimum coverage and $2,230 yearly for full coverage. These rates are national averages across different insurance providers and driver profiles.
What company has the cheapest car insurance for a Lexus RX?
GEICO provides the most affordable auto insurance for a Lexus RX at $792 annually for minimum coverage. Full coverage seekers also get the best value with GEICO at $1,716 per year.
Is the Lexus RX expensive to insure?
No, Lexus RX insurance is not more expensive than most vehicles. Among SUVs, this model places 118th out of 256 for affordability, while ranking 445th out of 827 total vehicles we track.
What factors affect insurance costs for the Lexus RX?
Multiple elements affect your Lexus RX insurance rates. The vehicle's luxury status and higher repair costs due to premium parts increase premiums. Your driving record and credit score, plus the coverage you pick, play a big role in determining your final rate.
How can I lower Lexus RX insurance costs?
Compare quotes from multiple insurers since Lexus RX pricing differs by hundreds of dollars between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies and maintain a clean driving record to get better rates.
How We Determined Lexus RX Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Lexus RX insurance costs.
Who We Based These Rates On
These Lexus RX prices 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!