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: March 13, 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?
Lexus RX minimum coverage runs $66 monthly with GEICO and $152 with UAIC. Full coverage spans $143 with GEICO to $341 with AIG, meaning an $86 gap on minimum and $198 on full coverage. Each insurer calculates risk differently, so the quote you get first is rarely the best one.
| 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?
Among 256 SUVs, the Lexus RX ranks 118th for insurance affordability, meaning 117 SUVs cost less to insure. It sits between the slightly cheaper Lexus UX and the marginally pricier Mitsubishi Endeavor, separated by just a few dollars monthly.
Across all 827 vehicles, the RX ranks 445th, placing it in the more expensive half. SUVs generally carry higher premiums than sedans and hatchbacks, which accounts for the gap. The Isuzu Amigo is the cheapest SUV to insure, and the Audi SQ8 e-tron is the most expensive.
| 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: At $1,043 in annual repair costs, the Lexus RX ranks 11th most affordable to maintain among Lexus's 19 vehicles.
- Vehicle Trim, Features and Accessories: Trims range from 295 to 450 horsepower. Higher-output variants attract higher premiums.
- Driver Profile: Most Lexus RX drivers are 45 to 55, an age range that earns lower base rates. The RX's performance reputation can pull in younger, higher-risk drivers, which factors into insurer pricing. 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
Find affordable Lexus RX insurance rates by using these strategies:
- 1Choose the right coverage
Start by deciding how much coverage to buy. Own your RX outright? State minimum liability plus comprehensive and collision with a $1,000 deductible keeps premiums down. Want stronger protection? Use 100/300/100 liability with a $500 deductible. Financing or leasing requires 100/300/100 limits, comprehensive and collision at a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Check average auto insurance costs for luxury SUVs before requesting quotes. That baseline helps you identify fair offers from the cheapest car insurance companies and spot inflated ones.
- 3Look for more than just low rates
Price isn't the only factor. Check J.D. Power satisfaction ratings, Better Business Bureau records and AM Best financial ratings. Read forum discussions about claims handling because luxury vehicle repairs depend on specialized parts and slower service costs more when your RX is in the shop. Use car insurance ratings to compare.
- 4Explore discounts you qualify for
Check which car insurance discounts apply to your profile. Lexus RX owners commonly qualify for safety features, good driver, bundling and anti-theft discounts.
- 5Consider alternative car insurance types
Usage-based programs like Progressive Snapshot or Allstate Drivewise cut premiums for safe driving. Pay-per-mile plans work best for drivers with short commutes or low annual mileage.
- 6Check rates every year
Get car insurance quotes from several insurers each year. Insurers don't flag competitor rate drops, so annual shopping can save up to 24%. Set a renewal reminder so you don't miss the window.
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?
High-end parts push repair costs up, but advanced safety features and lower theft rates offset some of that. Your driving record, credit score and coverage selections 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.