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: July 28, 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 costs $1,043 a year in average repair expenses, the 11th-lowest among Lexus's 19 models. Insurers weigh repair costs when setting premiums, and the RX's moderate figure keeps rates in the middle of the pack for the brand.
- Vehicle trim, features and accessories: Horsepower on the RX ranges from 295 to 450 depending on trim. Higher-horsepower trims cost more to insure because they carry a greater risk of accidents and expensive repairs.
- Driver profile: Most Lexus RX owners are 40 to 50 years old, an age range that usually gets lower insurance rates for safer driving records. The RX's sporty reputation can offset that advantage: insurers see some owners in this range as more likely to drive aggressively. 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. Rates climb sharply for drivers in their teens and early 20s, regardless of model year.
Comparing quotes from multiple insurers is the most reliable way to lower RX insurance costs. GEICO's average rates rank among the lowest for the RX across model years, which can lower costs 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
Coverage needs for a Lexus RX vary by ownership status, which determines how much coverage to buy. Owners who paid in full can choose state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Drivers who want more protection can choose 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing a Lexus RX requires 100/300/100 liability, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Average auto insurance costs for luxury SUVs show what a fair price looks like before you compare quotes. Checking cheapest car insurance companies against those averages separates genuine deals from inflated ones.
- 3Look for more than just low rates
A low quote doesn't guarantee reliable car insurance. Check J.D. Power satisfaction ratings, claims-processing feedback in owner forums, Better Business Bureau complaints and AM Best financial stability ratings before choosing an insurer. Budget insurers sometimes cut corners on coverage limits or claims response time.
- 4Explore discounts you qualify for
Car insurance discounts lower what Lexus RX owners pay for coverage. Common savings include safety features discounts, good driver rewards and policy bundling. Anti-theft devices and insuring more than one car with the same company can add further discounts.
- 5Consider alternative car insurance types
Usage-based programs like Progressive Snapshot or Allstate Drivewise track driving habits and adjust premiums based on real behavior behind the wheel. Safe drivers with a Lexus RX can lower their luxury SUV premiums through these programs.
- 6Check rates every year
Get car insurance quotes from multiple companies every year. Insurers don't notify current customers when competitors drop their prices, so yearly comparisons catch savings you'd otherwise miss. Set a calendar reminder to compare rates before your policy renewal date.
Lexus RX Insurance Cost: Bottom Line
Lexus RX insurance costs land near the average for luxury SUVs, and comparing quotes still turns up lower rates. Getting quotes from multiple companies and claiming every discount you qualify for is the fastest way to cut your premium.
Lexus RX Insurance Rates: FAQ
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.
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.
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.
Luxury status and premium parts raise the Lexus RX's insurance rates because repairs cost more. Driving record, credit score and the coverage you choose also shape your final premium.
Lexus RX rates differ by hundreds of dollars between insurers, so getting quotes from multiple companies is the first step. Usage-based programs that track driving habits, available discounts, bundled policies and a clean driving record can all lower the price further.
How We Determined Lexus RX Insurance Costs
MoneyGeek analyzed hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to calculate these Lexus RX insurance costs.
Who We Based These Rates On
These Lexus RX rates are based on a driver with this profile:
- 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 expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.