How much is insurance on a Lexus RX?

A 2024 Lexus RX runs about $2,130 a year for a typical 45-year-old, $190 more than an average car of the same age: higher crash-repair losses outweigh less damage to others' property and fewer injury claims. Putting a new 16-year-old on a family policy with the RX adds about $1,410 a year (#4 of 9 midsize luxury SUVs we compare).

2024 Lexus RX (RX 350), national average

about $2,130 a year (about $180 a month)

Estimated range: $1,350–$3,250. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 RX drops to about $1,740 (see the table below).

A Lexus RX from the 2023–present generation. Photo: Ethan Llamas, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 RX 350, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Lexus RX's rank is the same in every state.

Why the Lexus RX costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Lexus RX 350 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 111 for crash repairs, 97 for non-crash damage, 65 for damage to others' property, and 75 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage11% worse than average6th best of the 9 midsize luxury SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage3% better than average4th best of the 9 midsize luxury SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average35% better than averagebest of the 9 midsize luxury SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 25% less often than average6th best of the 7 midsize luxury SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Lexus RX comes out about 7% worse than average. Published prices for luxury makes like this one run higher than their loss results alone suggest, so we also add a smaller version of an adjustment we fitted to those prices (how much smaller is our estimate). With it, the part of the bill that fixes the car is about 36% more than average: about $1,290 a year vs $950. On the liability side, damage to others and injury claims combine to about 29% better than average. We count about half, so that part is about 15% less: $840 a year vs $990.

How the math works

In EPA size classes, the RX is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Lexus RX is benchmarked against midsize luxury SUVs.

Expensive and electric cars can cost more or less to insure than their repair records suggest.

Matched to HLDI series “Lexus RX 350 4dr” (HLDI, 2022–24 models).

A used Lexus RX, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 RX 350 (0–3 years old)	about $2,130	about $840	+$1,410	about $6,130
2022 RX 350 (4–7 years old)	about $1,980	about $840	+$1,310	about $5,680
2018 RX 350 (8–12 years old)	about $1,810	about $840	+$1,190	about $5,190
2013 RX 350 (13 or more years old)	about $1,740	about $950	+$1,150	about $5,000

Our catalog covers the Lexus RX across model years 2006–2026. Full coverage on a used 2013 RX (13 or more years old) runs about $1,740 a year, $390 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $950 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Lexus RX trims, full coverage goes from about $2,090 a year on the RX 350h AWD to about $2,180 on the RX 500h AWD, because HLDI's loss results differ by body, drive, or powertrain.

RX 350h AWD: about $2,090
RX 350 AWD: about $2,110
RX 350: about $2,130
RX 500h AWD: about $2,180

On a policy of their own with a 2024 Lexus RX, a 22–25-year-old pays about $2,780 a year ($640 more than a 45-year-old), a 26–39-year-old about $2,370, and a driver 65 and older about $2,240.

Adding a 16-year-old with a Lexus RX

A new driver costs more with any car, and more than usual with the Lexus RX: adding a 16-year-old raises the family bill by about $1,410 a year ($120 a month), $130 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,130 a year ($4,720 more than adding them to the family policy).

For adding a teen driver, the Lexus RX ranks 26th most expensive out of all 121 models we track. Stepping down to a used 2013 RX (13 or more years old) brings the teen add-on to about $1,150 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize luxury SUVs

Among these 9 midsize luxury SUVs, the Lexus RX is the 4th least expensive to insure. Right next to it are the Lexus NX (about $2,110 a year) and the Mercedes-Benz GLC-Class (about $2,480).

Photos from Wikimedia Commons contributors. Photo credits.

What a Lexus RX costs in your state

In six sample states, a 2024 Lexus RX runs from about $1,370 a year in Maine through Ohio, Virginia, Missouri and Michigan to about $2,560 in Texas:

Maineabout $1,370/yr · +$910 teen
Ohioabout $1,540/yr · +$1,020 teen
Virginiaabout $1,840/yr · +$1,210 teen
Missouriabout $1,960/yr · +$1,290 teen
Michiganabout $2,330/yr · +$1,540 teen
Texasabout $2,560/yr · +$1,690 teen

All 50 states and DC · Updated November 5, 2026.

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