Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Lexus RX 350? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lexus RX 350 car insurance facts

  • Average full coverage auto insurance premium: $147/month

  • Most affordable companies: GEICO ($94/month) & Texas Farm Bureau ($98/month)

  • RX 350 car insurance cost vs. average rates: $37 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus RX 350 by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Lexus RX 350 insurer costs by state:

Risk factors affecting Lexus RX 350 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Lexus RX 350 car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lexus models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lexus luxury automobile brand

Lexus is a luxury car division of Toyota, a Japanese automobile manufacturer specializing in reliable luxury cars with high-quality comfort and impressive resale values. The target audience of Lexus is the upper-middle-class finance and banking executives that demand upscale interiors, style, and advanced driver technologies. All Lexus automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lexus RX 350, ES 350, and RC 300 are some of their most popular cars.

High Lexus RX 350 repair costs equal high coverage rates

Many consumers are attracted to Lexus’ upscale driving experience, outstanding quality, and driver-assist technologies, like the Lexus Safety System+ with pre-collision and dynamic radar safety features. Automotive parts are common and more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Lexus is higher than average since repair parts are more expensive. For this reason, many Lexus cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lexus RX 350 affecting car insurance policies

Another factor to consider for Lexus is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lexus models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Lexus IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lexus is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lexus’ Safety System+ technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lexus models. The Lexus ES 350, Lexus IS, NX 4, and RX 4 are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks.” The NHTSA consistently gives Lexus automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lexus automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Lexus RX 350

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2196
Acuity$2275
Allied Insurance$1475
Allstate$1650
American Family$1530
Arbella$1591
Country Financial$1822
GEICO$1149
Kentucky Farm Bureau$1327
Liberty Mutual$1384
Mercury$1607
Nationwide$1429
Progressive$1339
Quincy Mutual$1567
State Farm$1254
Texas Farm Bureau$1203
The Hanover$2037
Travelers$1692

Compare all 2021 Lexus RX 350 rates

Average Cost to Insure Per Year

$1764

List Price

$45220

Trims Available

Base - F SPORT - Base Engine: 3.5-liter V6 at 295 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners

2020 Lexus RX 350

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2187
Allied Insurance$1462
Allstate$1612
American Family$1529
Arbella$1530
Country Financial$1812
GEICO$1135
Kentucky Farm Bureau$1286
Liberty Mutual$1364
Mercury$1548
Nationwide$1395
Quincy Mutual$1853
State Farm$1234
Texas Farm Bureau$1169
The Hanover$2030
Travelers$1644

Compare all 2020 Lexus RX 350 rates

Average Cost to Insure Per Year

$1732

List Price

$44150

Trims Available

Base - F SPORT - Base Engine: 3.5-liter V6 at 295 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners

2019 Lexus RX 350

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2016
Allied Insurance$1329
Allstate$1592
American Family$1330
Arbella$1375
Country Financial$1795
GEICO$1085
Kentucky Farm Bureau$1205
Liberty Mutual$1275
Mercury$1476
Nationwide$1311
Quincy Mutual$1846
State Farm$1164
Texas Farm Bureau$1137
The Hanover$1926
Travelers$1630

Compare all 2019 Lexus RX 350 rates

Average Cost to Insure Per Year

$1620

List Price

$43820

Trims Available

Base - F SPORT - Base Engine: 3.5-liter V6 at 295 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners

2018 Lexus RX 350

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1967
Allied Insurance$1300
Allstate$1562
American Family$1328
Arbella$1330
Country Financial$1780
GEICO$1065
Kentucky Farm Bureau$1187
Liberty Mutual$1265
Mercury$1470
Nationwide$1294
Quincy Mutual$1831
State Farm$1132
Texas Farm Bureau$1120
The Hanover$1864
Travelers$1627

Compare all 2018 Lexus RX 350 rates

Average Cost to Insure Per Year

$1603

List Price

$43470

Trims Available

Base - F SPORT - Base Engine: 3.5-liter V6 at 295 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2017 Lexus RX 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1312
Acuity$ 1312
Allied$ 1397
Allied$ 1397
Arbella$ 1443
Arbella$ 1443
Country$ 1379
Country$ 1379
Erie$ 926
Erie$ 926
GEICO$ 1361
GEICO$ 1361
Nationwide$ 1451
Nationwide$ 1451
Plymouth Rock Insurance$ 1317
Plymouth Rock Insurance$ 1317
Tennessee Farmers$ 1039
Tennessee Farmers$ 1039
Texas Farm Bureau$ 1001
Texas Farm Bureau$ 1001
USAA$ 1270
USAA$ 1270
Vermont Mutual$ 1262
Vermont Mutual$ 1262

Compare all 2017 Lexus RX 350 rates

Average Cost to Insure Per Year

$ 1396

List Price

$ 43220

Trims Available

Base - F SPORT

2016 Lexus RX 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1247
Acuity$ 1247
Arbella$ 1356
Arbella$ 1356
Country$ 1291
Country$ 1291
Erie$ 865
Erie$ 865
GEICO$ 1113
GEICO$ 1113
Nationwide$ 1382
Nationwide$ 1382
Plymouth Rock Insurance$ 1278
Plymouth Rock Insurance$ 1278
Progressive$ 1312
Progressive$ 1312
Tennessee Farmers$ 1011
Tennessee Farmers$ 1011
Texas Farm Bureau$ 979
Texas Farm Bureau$ 979
USAA$ 1214
USAA$ 1214
Vermont Mutual$ 1173
Vermont Mutual$ 1173

Compare all 2016 Lexus RX 350 rates

Average Cost to Insure Per Year

$ 1335

List Price

$ 41900

Trims Available

Base - F SPORT

2015 Lexus RX 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1190
Acuity$ 1190
Allied$ 1199
Allied$ 1199
Country$ 1240
Country$ 1240
Erie$ 778
Erie$ 778
GEICO$ 944
GEICO$ 944
Nationwide$ 1198
Nationwide$ 1198
Plymouth Rock Insurance$ 1235
Plymouth Rock Insurance$ 1235
Progressive$ 1218
Progressive$ 1218
Tennessee Farmers$ 1057
Tennessee Farmers$ 1057
Texas Farm Bureau$ 939
Texas Farm Bureau$ 939
USAA$ 1066
USAA$ 1066
Vermont Mutual$ 1098
Vermont Mutual$ 1098

Compare all 2015 Lexus RX 350 rates

Average Cost to Insure Per Year

$ 1228

List Price

$ 40970

Trims Available

Base - F SPORT - Crafted Line

2014 Lexus RX 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1155
Acuity$ 1155
Allied$ 1290
Allied$ 1290
Arbella$ 1279
Arbella$ 1279
Country$ 1239
Country$ 1239
Erie$ 810
Erie$ 810
GEICO$ 1116
GEICO$ 1116
Nationwide$ 1327
Nationwide$ 1327
Plymouth Rock Insurance$ 1217
Plymouth Rock Insurance$ 1217
Tennessee Farmers$ 1043
Tennessee Farmers$ 1043
Texas Farm Bureau$ 912
Texas Farm Bureau$ 912
USAA$ 1062
USAA$ 1062
Vermont Mutual$ 1047
Vermont Mutual$ 1047

Compare all 2014 Lexus RX 350 rates

Average Cost to Insure Per Year

$ 1252

List Price

$ 39760

Trims Available

Base - F SPORT

2013 Lexus RX 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1096
Acuity$ 1096
Allied$ 1281
Allied$ 1281
Arbella$ 1193
Arbella$ 1193
Country$ 1189
Country$ 1189
Erie$ 809
Erie$ 809
GEICO$ 1178
GEICO$ 1178
Nationwide$ 1352
Nationwide$ 1352
Plymouth Rock Insurance$ 1185
Plymouth Rock Insurance$ 1185
Tennessee Farmers$ 990
Tennessee Farmers$ 990
Texas Farm Bureau$ 874
Texas Farm Bureau$ 874
USAA$ 1059
USAA$ 1059
Vermont Mutual$ 974
Vermont Mutual$ 974

Compare all 2013 Lexus RX 350 rates

Average Cost to Insure Per Year

$ 1186

List Price

$ 39660

Trims Available

Base - F SPORT

2012 Lexus RX 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1044
Acuity$ 1044
Allied$ 1204
Allied$ 1204
Arbella$ 1193
Arbella$ 1193
Country$ 1168
Country$ 1168
Erie$ 751
Erie$ 751
GEICO$ 878
GEICO$ 878
Plymouth Rock Insurance$ 1155
Plymouth Rock Insurance$ 1155
State Farm$ 1165
State Farm$ 1165
Tennessee Farmers$ 997
Tennessee Farmers$ 997
Texas Farm Bureau$ 897
Texas Farm Bureau$ 897
USAA$ 987
USAA$ 987
Vermont Mutual$ 951
Vermont Mutual$ 951

Compare all 2012 Lexus RX 350 rates

Average Cost to Insure Per Year

$ 1181

List Price

$ 39075

Trims Available

Base

2011 Lexus RX 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1113
Acuity$ 1113
Allied$ 1145
Allied$ 1145
American Family$ 1136
American Family$ 1136
Arbella$ 1049
Arbella$ 1049
Country$ 1091
Country$ 1091
Erie$ 753
Erie$ 753
GEICO$ 976
GEICO$ 976
Plymouth Rock Insurance$ 1143
Plymouth Rock Insurance$ 1143
Tennessee Farmers$ 942
Tennessee Farmers$ 942
Texas Farm Bureau$ 840
Texas Farm Bureau$ 840
USAA$ 958
USAA$ 958
Vermont Mutual$ 861
Vermont Mutual$ 861

Compare all 2011 Lexus RX 350 rates

Average Cost to Insure Per Year

$ 1182

List Price

$ 39075

Trims Available

Base