Are you considering insuring your Lexus RX in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Lexus RX can vary widely based on factors such as your location, driving history, and vehicle model year.
The average annual cost to insure a 2023 Lexus RX is $2,555. However, this rate can vary depending on the model year. For example, a 2021 RX might cost around $2,374 annually, while a 2018 model could be more affordable at $2,207 per year.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Lexus RX.
What is the cost to insure your Lexus RX in 2025?
The average cost to insure a Lexus RX is $213 per month, or $2,555 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Lexus RX
State Farm provides the most affordable car insurance for your Lexus RX, with an average annual rate of $1,962, or $164 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Lexus RX.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $1,962 | $981 | $164 |
| Progressive | $2,190 | $1,095 | $182 |
| Nationwide | $2,299 | $1,150 | $192 |
| Geico | $2,411 | $1,206 | $201 |
| Farmers | $3,214 | $1,607 | $268 |
| Allstate | $3,368 | $1,684 | $281 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Lexus RX car insurance rates by model year
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 Lexus RX generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
Below is a breakdown of the average annual insurance premiums for different model years of the Lexus RX, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,879 | $940 | $157 |
| 2015 | $1,949 | $974 | $162 |
| 2016 | $2,038 | $1,019 | $170 |
| 2017 | $2,093 | $1,046 | $174 |
| 2018 | $2,207 | $1,103 | $184 |
| 2019 | $2,263 | $1,131 | $189 |
| 2020 | $2,364 | $1,182 | $197 |
| 2021 | $2,374 | $1,187 | $198 |
| 2022 | $2,417 | $1,208 | $201 |
| 2023 | $2,555 | $1,277 | $213 |
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Lexus RX car insurance rates for different trims
When it comes to insuring a Lexus RX, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For instance, higher-end trims, such as the RX 350 F-Sport, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Lexus RX.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| RX 350 Premium | $2,547 | $1,273 | $212 |
| RX 350 Premium Plus | $2,555 | $1,278 | $213 |
| RX 350 | $2,555 | $1,278 | $213 |
| RX 350 Luxury | $2,556 | $1,278 | $213 |
| RX 350 F-Sport | $2,573 | $1,286 | $214 |
Lexus RX insurance rates: State-by-state breakdown
Insurance costs for a Lexus RX vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Lexus RX in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,389 | $1,195 | $199 |
| Alabama | $2,301 | $1,150 | $192 |
| Arkansas | $2,674 | $1,337 | $223 |
| Arizona | $2,383 | $1,191 | $199 |
| California | $3,328 | $1,664 | $277 |
| Colorado | $3,300 | $1,650 | $275 |
| Connecticut | $2,723 | $1,361 | $227 |
| Washington, D.C. | $2,987 | $1,494 | $249 |
| Delaware | $2,436 | $1,218 | $203 |
| Florida | $2,988 | $1,494 | $249 |
| Georgia | $3,366 | $1,683 | $280 |
| Hawaii | $1,580 | $790 | $132 |
| Iowa | $2,247 | $1,124 | $187 |
| Idaho | $1,669 | $834 | $139 |
| Illinois | $2,449 | $1,225 | $204 |
| Indiana | $2,212 | $1,106 | $184 |
| Kansas | $2,817 | $1,409 | $235 |
| Kentucky | $3,203 | $1,602 | $267 |
| Louisiana | $4,056 | $2,028 | $338 |
| Massachusetts | $2,248 | $1,124 | $187 |
| Maryland | $2,383 | $1,192 | $199 |
| Maine | $1,728 | $864 | $144 |
| Michigan | $3,247 | $1,623 | $271 |
| Minnesota | $2,756 | $1,378 | $230 |
| Missouri | $3,322 | $1,661 | $277 |
| Mississippi | $2,560 | $1,280 | $213 |
| Montana | $2,629 | $1,314 | $219 |
| North Carolina | $2,282 | $1,141 | $190 |
| North Dakota | $2,317 | $1,159 | $193 |
| Nebraska | $2,754 | $1,377 | $230 |
| New Hampshire | $1,878 | $939 | $156 |
| New Jersey | $2,421 | $1,211 | $202 |
| New Mexico | $2,633 | $1,316 | $219 |
| Nevada | $2,435 | $1,217 | $203 |
| New York | $1,940 | $970 | $162 |
| Ohio | $1,736 | $868 | $145 |
| Oklahoma | $2,667 | $1,333 | $222 |
| Oregon | $2,375 | $1,188 | $198 |
| Pennsylvania | $2,679 | $1,339 | $223 |
| Rhode Island | $3,045 | $1,523 | $254 |
| South Carolina | $2,321 | $1,161 | $193 |
| South Dakota | $3,142 | $1,571 | $262 |
| Tennessee | $2,837 | $1,418 | $236 |
| Texas | $3,359 | $1,680 | $280 |
| Utah | $2,105 | $1,053 | $175 |
| Virginia | $1,845 | $923 | $154 |
| Vermont | $1,945 | $972 | $162 |
| Washington | $2,288 | $1,144 | $191 |
| Wisconsin | $1,885 | $943 | $157 |
| West Virginia | $2,466 | $1,233 | $206 |
| Wyoming | $2,791 | $1,396 | $233 |
How your age impacts Lexus RX insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $9,599 | $4,799 | $800 |
| Adults | $2,555 | $1,277 | $213 |
The bottom line
Knowing how much it costs to insure your Lexus RX is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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