How cheap is car insurance for a Lexus RX 350?

The average Lexus RX 350 car insurance rates are $118/month; factors that affect insurance costs include the vehicle's luxury features and personal statistics like ZIP code and driving history

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 26, 2020

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The Lexus RX 350 SUV is a favorite among consumers in the midsize luxury crossover category. But how cheap is car insurance for a Lexus RX 350? We can help.

The average Lexus RX 350 car insurance rates are $118/month. Take a few moments to read about Lexus RX 350 car insurance. We’ll consider features, safety ratings, what the reviewers are saying, some other factors that will affect Lexus RX 350 insurance costs, and tips for finding cheap car insurance.

How much does insurance cost for a Lexus? Why not use your ZIP code to get a free quote on car insurance?

Table of Contents

Car Insurance for a Lexus RX 350

So just how much is insurance for a Lexus RX 350? Is insurance higher on a Lexus? Why are Lexuses so expensive to insure? What factors can affect the cost of insurance for a Lexus RX 350? Read through the next few sections to find the answers to these questions.

How much does it cost to insure a Lexus RX 350?

How much can you expect to pay to insure a Lexus RX 350? Overall, the national average based on a typical driver and mid-range deductibles is:

  • Front-wheel drive: $1,425/year or $118.75/month
  • All-wheel drive: $1,410/year or $117.50/month

While it is not the cheapest Lexus to insure, the Lexus RX 350 is a bit more affordable than Lexus RX 450h insurance cost. Keep in mind that insurance costs for a Lexus are often higher than for a less expensive vehicle, because the more expensive your vehicle, the higher the payout if a claim is filed and approved by the insurance company.

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What factors affect my insurance costs?

The figures in the previous section are merely a starting point, focusing on average rates. Your actual insurance cost will depend on factors such as:

  • The state and town you live in
  • The age and driving record of the drivers
  • Annual mileage driven
  • Whether there are multi-policy and other car insurance discounts
  • Credit history
  • Other considerations deemed statistically relevant by the insurance industry.

Companies like Geico and Progressive use these factors to determine the risk associated with insuring you and adjust your rates accordingly. The higher the risk you pose, the higher your rates will be, while the lower your risk, the lower your rates will likely be.

Take a look at this video to learn more about factors that can affect your insurance rates.

These factors can change your cost considerably. For example, if we take the state information and consider how that can affect rates, there can be significant differences. Take a look at this table for a couple of examples:

Lexus RX 350 Average Rate Comparisons
StateAnnual Average Lexus RX 350 RatesMonthly Average Lexus RX 350 Rates
Vermont$900/year$75/month
Michigan$2,300/year$191.67/month
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As you can see, where you live can have a dramatic affect on your insurance rates. In this example, rates for a Lexus RX 350 are about 156 percent higher in Michigan than they are in Vermont.

Regardless of where you live, there are a few things you can do to lower your insurance rates, including driving safely, following all traffic laws, and speaking with your insurance agent about available discounts.

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Lexus RX 350 Specs

Now that you know what you may be paying for insurance on a Lexus RX 350, let’s take a few minutes to talk about the vehicle itself. We’ll cover safety ratings, industry reviews, features, and more. Take a look.

Is the Lexus RX 350 comfortable?

When Lexus began selling the RX series in 1998, it defined the luxury crossover segment by combining a luxurious sedan-like ride with the utility of an SUV and a wagon. The RX was based on the Lexus ES sedan platform, with North American inventory manufactured in its Canadian plant in Cambridge, Ontario, the only Lexus production outside Japan.

Despite admirable competition from the Acura MDX as well as Lincoln, Volkswagen, Audi, Mercedes, BMW, Volvo and the other luxury SUV models, the Lexus RX 350 was named “Best Luxury Midsize Crossover for the Money” by US News and is also considered one of the best used luxury SUVs.

Consumer Reports calls it a “refined, quiet, and plush SUV,” and Edmunds praises its “plush ride, spacious interior, strong reliability record and appealing high-tech features.”

Reviewers are also quick to point out what not to expect from the Lexus RX 350: it’s not the sportiest SUV, nor the most responsive handler, nor a ‘bling-mobile.’ The emphasis is on getting you to your destination calm and unruffled rather than on giving you a joy ride along the way. For a lot of luxury SUV consumers, that’s exactly the reason they prefer the RX 350 and have made it the best-selling luxury SUV to date.

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Today’s Lexus RX 350

Lexus is currently producing its fourth generation of the RX vehicles. Since 1998, it has undergone a steady stream of updates and redesigns to reflect the maturing luxury crossover market it more or less defined.

The current generation of RX 350s was introduced in 2015. Its 295-horsepower 3.5-liter V6 engine comes standard with an automatic transmission in either a front-wheel or all-wheel drive version. The RX 350 is a five-passenger midsize with thirty cubic feet of cargo space behind the rear seats, a respectable amount for its class.

Reviewers highlight its extensive list of options including a mouse-like remote-touch feature on its navigation system and soothingly comfortable heated seats with ventilation.

Take a look at this table to see starting prices for the 2020 Lexus RX 350.

Starting Price for Lexus RX 350
RX 350 ModelStarting Price
2020 Lexus RX 350 Front Wheel Drive$45,000
2020 Lexus RX 350 All Wheel Drive$46,400
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Reviewers are generally favorable about pricing and value in comparison to competitors in its class. Both RX 350s are available with a full menu of standard and optional luxury features, so your choice may depend on the driving conditions you plan to encounter.

For many, the added cost of all-wheel drive is a no-brainer in snowy regions where you might otherwise have to chain up the tires to make it to your destination. Insurance companies recognize the benefits of all-wheel drive with slightly lower rates on the RX 350; however, the amount is minimal, usually less than $20 per year in savings over the front-wheel drive model.

A strong Lexus legacy of reliability and resale value means that consumers can find good-quality used RX 350s to choose from. Each generation has its own features, specs, and reliability ratings, so it’s important to do some research online and at dealerships to find what you’re looking for.

What are the Lexus RX 350 safety ratings and features?

From an insurance standpoint, Lexus has notable safety features that contribute to reasonable rates for its class (and may qualify you for discounts). These include:

  • Best-in-class ten-airbag system with sensors
  • Active front headrests
  • Vehicle stability control
  • Available vehicle dynamics integrated management
  • Adaptable variable suspension
  • Pre-tensioning seat belts
  • Reinforced body
  • Anti-lock brakes with brake assist
  • Tire pressure monitoring

The major safety agencies have awarded the RX 350 favorable ratings in all categories. The Insurance Institute for Highway Safety considers the Lexus RX 350 a top safety pick. Take a look at this table to see the full summary of ratings.

IIHS Safety Ratings for the Lexus RX 350
Crashworthiness, Avoidance, and Mitigation FactorsCrashworthiness, Avoidance, and Mitigation Ratings
Small overlap front: driver-sideGood
Small overlapt front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints & seatsGood
HeadlightsAcceptable/Poor
Front crash prevention: vehicle-to-vehicleSuperior
Front crash prevention: vehicle to pedestrianAdvanced
LATCH ease of useGood+
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Under the National Highway Traffic Safety Administration‘s (NHTSA) older system of rating, in effect until 2010, the RX 350 received its top grade of five stars in all categories except for a four star in rollover.

The NHTSA introduced a new, stricter evaluation system in 2011 that resulted in a slight downgrade for many vehicles, including the RX 350. This downgrade does not represent any deterioration in the 350’s safety performance; rather, it reflects a higher standard set by NHTSA. Take a look at this table to see the full NHTSA safety rating summary for the Lexus RX 350.

NHTSA Safety Ratings for the Lexus RX 350
Safety Analysis2020 Lexus RX 350 SUV All Wheel Drive2020 Lexus RX 350 SUV Front Wheel Drive
Frontal Crash4 stars4 stars
Side Crash5 stars5 stars
Rollover4 stars4 stars
Overall Rating5 stars4 stars
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Consumers can learn more by checking out the NHTSA’s website, which also updates crash test results for many vehicles throughout the year.

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The Bottom Line for Lexus RX 350 Insurance Costs

If you have or plan to purchase a Lexus RX 350, your insurance rates may be on the higher end because it is considered a luxury vehicle. Average rates are around $1,400 per year, which translates to $118 per month. However, your personal factors (age, driving record, where you live, etc.) will have an affect on your rates, as will your ability to obtain various discounts.

The Lexus RX 350 safety rates are in the four and five-star range, and the vehicle offers luxury safety features that both keep you and your passengers safer on the road and may qualify you for additional discounts on your car insurance rates.

Frequently Asked Questions: Lexus RX 350 Insurance Rates

Still have questions about Lexus insurance costs? Reach through the frequently asked questions to learn more.

How much does a 2016 Lexus RX 350 cost?

In 2016, the price tag on a front-wheel-drive Lexus RX 350 was about $34,000.

How much does it cost to insure a Lexus ES 350?

The ES 350 insurance rates are a little higher, averaging around $1,470 annually.

What does Lexus RX 450h insurance cost?

The cost of insuring a Lexus RX 450h is about $1,848 a year.

Is insurance for expensive for luxury cars?

Yes, insurance is often more expensive than luxury cars, because if you need to file a claim, the payout will be higher for a luxury vehicle than for a standard one.

Trying to find the cheapest auto insurance to meet your needs? With so many variables in car insurance pricing and with heavy competition among insurance companies, comparison shopping is a must. Simply enter your ZIP code in the box to get Lexus RX 350 quotes today.

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