Lexus RX Car Insurance Cost 2025
The average annual cost to insure a Lexus RX is around $1,398. 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.
When considering buying a Lexus RX, it’s important to think about the cost of insurance. On average, insurance for a Lexus RX costs $1,398 per year. Insurance is a significant part of car ownership, and knowing the financial commitment beforehand is crucial.
Choosing the right car insurance is essential to avoid unexpected and costly surprises. Having enough coverage is important to prevent large out-of-pocket expenses in case of an accident. Additionally, if you are at fault in an accident, your premiums could increase.
With over ten years of experience studying car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving history, and location all significantly affect your insurance premiums.
How Much Does Lexus RX Car Insurance Cost?
Lexus RX drivers typically pay an average of $1,398 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 |
| 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 |
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 |
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 |
Is A Lexus RX Expensive To Insure?
Insuring a Lexus RX costs less than the average for all vehicles. However, your actual insurance rate will depend on factors such as your age, the car’s model year, your location, and other personal details.
Cheapest Car Insurance Companies For A Lexus RX
If you’re looking for a new car insurance policy for your Lexus RX, you may want to find the most affordable providers. Hugo offers the lowest rate, with an average premium of $19 per month. However, insurance costs vary based on factors like your driving history, location, and coverage needs. To secure the best rate for your profile, it’s important to compare quotes from multiple insurers.
| Company | Average Monthly Rate |
| Mile Auto | $28 |
| MetroMile | $38 |
| Hugo | $19 |
| Dairyland | $31 |
| CaliforniaCasualty | $25 |
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.
Quotes Analyzed
Brands Reviewed
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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.
