The Lexus RX is a mid-size luxury crossover SUV that first debuted in the U.S. in 1998. The 2026 Lexus RX comes standard with a 275HP turbocharged 2.5-liter four-cylinder engine, an eight-speed automatic transmission, and front-wheel or all-wheel drive. No matter which type of RX you choose, it needs to be protected with the right car insurance.
When it's time to find the best Lexus RX insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Lexus RX at a great rate. But first, here's a deep dive into how much it costs to insure a Lexus RX by model year and top-rated insurance company in 2026.
Key Takeaways - Lexus RX Car Insurance
Lexus RX insurance costs an average of $2,230 per year, or approximately $186 per month, for full coverage in 2026.
Minimum coverage for a Lexus RX costs an average of $1,147 per year, or approximately $96 per month.
Nationwide, Progressive, USAA, and American Family are the cheapest carriers for Lexus RX insurance this year.
Lexus RX insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $51 monthly for minimum coverage, while those in Louisiana pay $280.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Lexus RX model.
What Is Lexus RX Insurance?
Lexus RX insurance is just a car insurance policy that includes customized coverage options for your specific vehicle. As a mid-size luxury crossover SUV, the RX may require additional coverage beyond that of standard sedans. However, the RX's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Lexus RX drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
Add-on coverage options worth considering for a Lexus RX:
- Lexus warranty insurance: This can extend Lexus's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Lexus parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Lexus vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Most states require certain types of car insurance by law. A local independent insurance agent can help you satisfy your state's minimum car insurance requirements for your RX so you can avoid noncompliance fines and other penalties.
How Much Does Lexus RX Insurance Cost?
The average cost of car insurance for a Lexus RX is $2,230 per year, or approximately $186 per month, for full coverage. Minimum coverage for an RX costs an average of $1,147 per year, or approximately $96 per month. However, several factors can influence the cost of RX insurance, including:
- The specific type of RX you drive
- Your claims history
- Vehicle safety features
- Your driving history
- Annual mileage
- The types and amount of coverage you need
- Your credit score (where allowed)
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Lexus RX full coverage insurance or a basic Lexus RX liability insurance policy. They can also help you compare rates for different models, including Lexus RX 350 insurance costs, Lexus RX 350H insurance costs, and Lexus RX 450H car insurance costs.
Is the Lexus RX Expensive to Insure?
No, the Lexus RX isn't expensive to insure on average. The average monthly cost of Lexus RX auto insurance is $141, which is lower than the average monthly rate for other Lexus vehicles and all other cars.
| Vehicle | Average Monthly Cost of Car Insurance |
| Lexus RX | $141 |
| All Lexus | $177 |
| All Cars | $175 |
Average Lexus RX Insurance Costs Compared to Similar Vehicles
The Lexus RX's average monthly insurance costs are quite comparable to the Audi Q3, the Mazda CX-90, the BMW X1, and more. Here's how the Lexus RX's average insurance rates compare to similar vehicles in its class.
| Vehicle | Average Monthly Cost of Car Insurance |
| Audi Q3 | $140 |
| Mazda CX-90 | $140 |
| Lexus UX | $141 |
| Lexus RX | $141 |
| Mitsubishi Endeavor | $141 |
| Kia Seltos | $141 |
| Lexus GX | $142 |
| Land Rover Range Rover Evoque | $142 |
| BMW X1 | $142 |
Lexus RX Insurance Costs by Model Year
Next, we'll break down several model years of the Lexus RX and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Lexus RX* | $2,365 |
| 2025 Lexus RX | $2,262 |
| 2024 Lexus RX | $1,951 |
| 2023 Lexus RX | $1,063 |
| 2022 Lexus RX | $971 |
| 2021 Lexus RX | $967 |
| 2020 Lexus RX | $834 |
| 2019 Lexus RX | $973 |
| 2018 Lexus RX | $866 |
| 2017 Lexus RX | $810 |
| 2016 Lexus RX | $653 |
| 2015 Lexus RX | $744 |
| 2014 Lexus RX | $825 |
| 2013 Lexus RX | $704 |
| 2012 Lexus RX | $689 |
| 2011 Lexus RX | $578 |
| 2010 Lexus RX | $526 |
*Note: The 2026 RX's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Lexus RX 350 Car Insurance Companies for 2026
Affordable Lexus RX insurance is available from many different insurers across the country. These top-rated car insurance companies provide the cheapest model-year 2025 Lexus RX 350 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,764 |
| Nationwide | $1,951 |
| USAA | $1,967 |
| American Family | $2,103 |
| Erie | $2,639 |
| Allstate | $3,986 |
Cheapest Lexus RX 450H Car Insurance Companies for 2026
These top-rated car insurance companies provide the cheapest model-year 2022 Lexus RX 450H insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,795 |
| American Family | $2,130 |
| Nationwide | $2,132 |
| Erie | $2,397 |
| USAA | $2,407 |
| Allstate | $3,768 |
Lexus RX Car Insurance Rates by State
Location plays a major role in car insurance premium calculations. Here are some average auto insurance rates for the Lexus RX by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Lexus RX Insurance Rates by Driver Age
Teens and young drivers are likely to pay the highest average Lexus RX insurance rates. Car insurance premiums typically begin to drop dramatically around age 25. However, once a driver reaches about age 65, car insurance costs begin to climb through their senior years. A local independent insurance agent can help you find the most affordable Lexus RX insurance for your age range.
Average Lexus RX Insurance Rates by Trim Level
Your RX's specific trim can also impact its auto insurance costs. Here are some average Lexus RX insurance rates by trim level for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 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 |
Best Lexus RX Insurance Discounts: How to Lower Your Lexus RX Insurance Premiums
Though Lexus RX insurance tends to be affordable already, you can still potentially save more money on your premiums by following any of these tips:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Lexus RX insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Lexus may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Lexus RX insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Lexus RX insurance from a trusted carrier near you.
Local independent insurance agents can recommend additional strategies to help maximize your savings on Lexus RX insurance.
An Independent Insurance Agent Can Help You Get the Best Lexus RX Insurance Quotes
When it's time to find the most affordable Lexus RX insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Lexus RX insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Lexus RX Insurance
How much does Lexus RX insurance cost per year?
The average annual cost of full coverage for a Lexus RX is $2,230 per year, or approximately $186 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Lexus RX insurance premiums?
If you've filed claims in the past, have any accidents or traffic violations on your record, drive an expensive trim level, or have poor credit, you might experience higher Lexus RX insurance premiums.
Is the Lexus RX expensive to insure?
No, the Lexus RX isn't expensive to insure when compared to similar vehicles in its class. The Lexus RX's rates are comparable to the Audi Q3 and the Mazda CX-90, while being lower than those of the Land Rover Range Rover Evoque and the BMW X1.
What are the best and cheapest carriers for Lexus RX 350 insurance in 2026?
We found that Progressive, USAA, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Lexus RX 350 insurance this year.
What are the best and cheapest carriers for Lexus RX 450H insurance in 2026?
We found that Nationwide, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2022 Lexus RX 450H insurance this year.
How can I get cheaper Lexus RX insurance?
Finding cheaper Lexus RX insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/lexus-rx-insurance/
https://www.thezebra.com/auto-insurance/vehicles/lexus/rx-350/
https://www.thezebra.com/auto-insurance/vehicles/lexus/rx-450h/
https://www.insuranceopedia.com/auto-insurance/lexus-rx-car-insurance