Lexus RX Car Insurance Cost 2025
The average annual cost to insure a Lexus RX is around $2,200. However, your actual rate may vary depending on factors like your age, the car’s model year, and other personal details. Check our quote tables below for a personalized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
The average cost to insure a Lexus RX in 2025 is around $2,200 per year, making it a mid-range option among luxury SUVs when it comes to insurance premiums.
Several factors contribute to this cost, including the RX’s high safety ratings, advanced technology features, and moderate repair expenses compared to performance or imported luxury vehicles. While it’s more expensive to insure than a compact car or crossover, it’s generally cheaper than sports or high-end luxury models.
Actual rates vary by driver profile, location, and coverage levels, so it’s always best to compare quotes from multiple insurers to find the most affordable option.
How Much Does Lexus RX Car Insurance Cost?
Lexus RX drivers typically pay an average of $2,200 per year for car insurance.
The cost of car insurance can vary widely based on several factors, including your location, driving history, car model year, and chosen coverage options. Keeping a clean driving record can help lower your premiums, while accidents or traffic violations may lead to higher costs.
Living in a high-traffic urban area can also result in higher insurance rates compared to rural areas with less congestion. Additionally, the type of coverage you select affects your premium—comprehensive insurance, which includes both collision and comprehensive coverage, generally costs more than basic liability coverage.
As shown in the table below, the insurance cost for a Lexus RX is lower than the average for all Lexus models and is also more affordable than the average cost for all vehicles.
Insuranceopedia can help you compare quotes from different auto insurance providers to ensure you get the best possible rate.
| Vehicle | Average Monthly Premium |
| Lexus RX | $139 |
| All Lexus | $177 |
| All Cars | $175 |
Average Insurance Cost Of Lexus RX By Model Year
| Model Year | Average Premium |
| 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 |
2025 Lexus RX Insurance Rates
The average annual insurance cost for a 2025 Lexus RX is $2,262. However, Mercury offers the cheapest rates, averaging $2,050 per year.
| Insurance Provider | Average Annual Cost |
| Liberty Mutual | $2,550 |
| GEICO | $2,070 |
| Mercury | $2,050 |
| State Farm | $2,280 |
| Progressive | $2,430 |
| Plymouth Rock | $2,070 |
| Allstate | $2,320 |
| Nationwide | $2,410 |
| Farmers | $2,190 |
| USAA | $2,250 |
2024 Lexus RX Insurance Rates
The average annual insurance cost for a 2024 Lexus RX is $1,951. However, Mercury offers the cheapest rates, averaging $1,398 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $1,398 |
| California Capital | $1,739 |
| Unitrin | $1,779 |
| USAA | $1,793 |
| 21st Century | $1,904 |
| Metropolitan | $2,099 |
| CSAA | $2,122 |
| Esurance | $2,151 |
| Farmers | $2,272 |
| Alliance United | $2,254 |
2023 Lexus RX Insurance Rates
The average annual insurance cost for a 2023 Lexus RX is $1,063. However, Safeco offers the cheapest rates, averaging $329 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $329 |
| New York Central Mutual Fire | $714 |
| Kemper Auto | Infinity | $856 |
| NatGen Value | $901 |
| Capital Insurance Group | $1,108 |
| Auto-Owners Insurance Co | $1,165 |
| Erie | $1,190 |
| Dairyland | $1,362 |
| American Independent Ins Co | $1,454 |
| Donegal Mutual Insurance Co | $1,536 |
2022 Lexus RX Insurance Rates
The average annual insurance cost for a 2022 Lexus RX is $971. However, Mercury Insurance offers the cheapest rates, averaging $679 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $679 |
| American National P | $696 |
| Buckeye Insurance Group | $757 |
| Capital Insurance Group | $871 |
| Safeco | $972 |
| MMG Insurance Company | $1,037 |
| Clearcover | $1,083 |
| Plymouth Rock | $1,115 |
| Texas Farm Bureau Group | $1,153 |
| Atlantic States Insurance | $1,344 |
2021 Lexus RX Insurance Rates
The average annual insurance cost for a 2021 Lexus RX is $967. However, Safeco offers the cheapest rates, averaging $274 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $274 |
| Plymouth Rock | $423 |
| Mercury Insurance | $612 |
| American National P | $748 |
| Capital Insurance Group | $1,012 |
| North Carolina Farm Bureau | $1,243 |
| Plymouth Rock Assurance | $1,291 |
| Texas Farm Bureau Group | $1,330 |
| Norfolk and Dedham Group | $1,358 |
| PEMCO | $1,378 |
2020 Lexus RX Insurance Rates
The average annual insurance cost for a 2020 Lexus RX is $834. However, NatGen Value offers the cheapest rates, averaging $531 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $531 |
| American National P | $613 |
| North Carolina Farm Bureau | $719 |
| Pekin Insurance | $736 |
| Plymouth Rock | $852 |
| Mercury Insurance | $872 |
| Hastings Mutual Insurance Co | $942 |
| Texas Farm Bureau Group | $984 |
| Safeco | $1,024 |
| Grange Mutual | $1,071 |
2019 Lexus RX Insurance Rates
The average annual insurance cost for a 2019 Lexus RX is $973. However, American National P Value offers the cheapest rates, averaging $528 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $528 |
| Plymouth Rock | $775 |
| Pekin Insurance | $889 |
| Concord Group | $908 |
| Texas Farm Bureau Group | $971 |
| MMG Insurance Company | $1,008 |
| Capital Insurance Group | $1,033 |
| Patriot Group | $1,144 |
| PEMCO | $1,240 |
| Safeco | $1,236 |
2018 Lexus RX Insurance Rates
The average annual insurance cost for a 2018 Lexus RX is $866. However, Safeco offers the cheapest rates, averaging $220 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $220 |
| American National P | $518 |
| Mercury Insurance | $862 |
| North Carolina Farm Bureau | $955 |
| Pekin Insurance | $958 |
| Capital Insurance Group | $961 |
| SECURA Insurance | $1,036 |
| Texas Farm Bureau Group | $1,022 |
| PEMCO | $1,067 |
| Utica National Ins Group | $1,062 |
2017 Lexus RX Insurance Rates
The average annual insurance cost for a 2017 Lexus RX is $810. However, Safeco offers the cheapest rates, averaging $497 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $497 |
| NatGen PPA | $562 |
| Union Mutual Fire Group | $600 |
| Mercury Insurance | $761 |
| National General RAD | $729 |
| Texas Farm Bureau Group | $850 |
| Concord Group | $1,014 |
| NatGen Custom 360 | $987 |
| SECURA Insurance | $1,050 |
| Acuity | $1,054 |
2016 Lexus RX Insurance Rates
The average annual insurance cost for a 2016 Lexus RX is $653. However, NatGen Custom 360 offers the cheapest rates, averaging $399 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $399 |
| American National P | $461 |
| Safeco | $473 |
| Mercury Insurance | $477 |
| National General Value | $527 |
| Utica National Ins Group | $753 |
| Pekin Insurance | $790 |
| Texas Farm Bureau Group | $839 |
| ALFA | $912 |
| SECURA Insurance | $902 |
Find Affordable Lexus RX Insurance Rates
2015 Lexus RX Insurance Rates
The average annual insurance cost for a 2015 Lexus RX is $744. However, Safeco offers the cheapest rates, averaging $257 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $257 |
| Mercury Insurance | $534 |
| American National P | $563 |
| Buckeye Insurance Group | $781 |
| Mercury Insurance Company | $780 |
| Texas Farm Bureau Group | $846 |
| Clearcover | $877 |
| SafeAuto | $891 |
| AssuranceAmerica Mobile Max | $922 |
| Indiana Farmers Mutual Ins | $986 |
2014 Lexus RX Insurance Rates
The average annual insurance cost for a 2014 Lexus RX is $825. However, Safeco offers the cheapest rates, averaging $182 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $182 |
| American National P | $655 |
| Texas Farm Bureau Group | $675 |
| North Carolina Farm Bureau | $791 |
| Direct Auto | $923 |
| SECURA Insurance | $938 |
| PEMCO | $956 |
| Pekin Insurance | $1,008 |
| New Jersey Manufacturers | $1,071 |
| Atlantic States Insurance | $1,047 |
2013 Lexus RX Insurance Rates
The average annual insurance cost for a 2013 Lexus RX is $704. However, Mercury Insurance offers the cheapest rates, averaging $115 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $115 |
| Safeco | $488 |
| Buckeye Insurance Group | $523 |
| Texas Farm Bureau Group | $747 |
| SECURA Insurance | $744 |
| PEMCO | $764 |
| North Carolina Farm Bureau | $877 |
| Ohio Mutual Ins Group | $878 |
| NatGen PPA | $961 |
| Western Reserve | $946 |
2012 Lexus RX Insurance Rates
The average annual insurance cost for a 2012 Lexus RX is $689. However, Mercury Insurance offers the cheapest rates, averaging $235 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $235 |
| Mercury Insurance | $398 |
| American National P | $559 |
| Pekin Insurance | $673 |
| Hastings Mutual Insurance Co | $726 |
| Buckeye Insurance Group | $800 |
| SafeAuto | $820 |
| Grange Mutual | $889 |
| Texas Farm Bureau Group | $889 |
| Safety Group | $904 |
2011 Lexus RX Insurance Rates
The average annual insurance cost for a 2011 Lexus RX is $578. However, Safeco offers the cheapest rates, averaging $125 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $125 |
| Kemper Auto | Infinity | $295 |
| National General Value | $477 |
| Buckeye Insurance Group | $579 |
| Mercury Insurance | $580 |
| SECURA Insurance | $632 |
| American National P | $634 |
| Kentucky Farm Bureau | $697 |
| Ohio Mutual Ins Group | $881 |
| PEMCO | $876 |
2010 Lexus RX Insurance Rates
The average annual insurance cost for a 2010 Lexus RX is $526. However, Safeco offers the cheapest rates, averaging $74 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $74 |
| Kemper Personal Insurance | $223 |
| AssuranceAmerica Mobile Max | $361 |
| American National P | $453 |
| Mercury Insurance | $470 |
| Infinity Special | $699 |
| Kemper Premium | $703 |
| Texas Farm Bureau Group | $694 |
| Farmers Mutual of Nebraska | $786 |
| Utica National Ins Group | $793 |
Find Affordable Lexus RX Insurance Rates
Are Lexus RXs Expensive To Insure?
The Lexus RX is generally considered moderately priced to insure compared to other luxury SUVs. While it carries higher insurance rates than a standard vehicle due to its upscale features and above-average repair costs, it’s more affordable to insure than performance-focused or imported luxury brands. The RX’s strong safety ratings, reputation for reliability, and popularity among families help keep insurance premiums reasonable. On average, drivers can expect to pay around $2,200 per year for full coverage, though actual costs vary depending on factors like location, age, driving history, and coverage levels. Shopping around can help secure the best rate possible.
Cheapest Car Insurance Companies For A Lexus RX
Erie offers the most affordable coverage, with an estimated annual cost of $1,030, which breaks down to around $86 per month. Mercury is also budget-friendly, with a yearly premium of $1,350 or about $113 monthly. Plymouth Rock comes in slightly higher at $1,580 annually, translating to $132 per month. State Farm provides coverage for approximately $1,902 per year, or $159 each month. USAA rounds out the list with an annual premium of $2,350, equating to $196 monthly.
| Insurance Company | Average Monthly |
| Erie | $86 |
| Mercury | $113 |
| Plymouth Rock | $132 |
| State Farm | $159 |
| USAA | $196 |
Common Lexus RX Insurance Discounts
Discounts can help lower your car insurance costs, and most providers offer a variety of savings opportunities. Here are some common discounts you may qualify for:
- Multi-policy: Bundling your home and auto insurance with the same provider can result in a lower premium.
- Pay annually: Paying your premium in full rather than in monthly installments can lead to savings.
- Defensive driving: Completing a certified defensive driving course may make you eligible for reduced rates.
Additional discounts may be available, so it’s a good idea to consult your insurance agent to find out which ones apply to you.
Ways To Save On Lexus RX Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Lexus RX insurance costs low, as traffic violations and accidents can significantly increase your premiums. Drivers with a ticket on their record can expect to pay around $101 per month, while those with multiple accidents may see their rates rise to an average of $126 per month. Additionally, annual mileage plays a role in determining insurance costs. Drivers who travel between 5,001 and 7,500 miles per year typically pay around $68 per month, whereas those who drive more than 10,000 miles annually can expect to pay about $77 per month. By avoiding accidents, traffic violations, and limiting your mileage, you can secure lower insurance rates.
Compare Lexus RX To Other Lexus Models
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance, which included $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, actual rates may vary based on individual factors such as location, driving history, and vehicle model.
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FAQs
Do You Need Insurance Before You Can Purchase A Lexus RX?
Yes, proof of insurance is required before you can drive your Lexus RX off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company about your upcoming car purchase, rather than relying on the dealership for coverage.
How Can You Get The Cheapest Insurance For Your Lexus RX?
The most effective way to find the lowest insurance rates for your Lexus RX is by shopping around and comparing quotes from different providers. Luckily, Insuranceopedia makes this process easy by allowing you to compare multiple quotes directly on their website.
