Lexus RX Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Lexus RX is less expensive to insure than the average SUV.
• Liability car insurance for a RX comes in at about $75 a month, while full coverage generally tends to be around $138 monthly.
• The lowest auto insurance company for a RX is Hugo, who offers liability only coverage for sometimes as low as $18 a month, on average.

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RX Overview

The Lexus RX is a mid-level SUV with broad appeal, with a base price of $45,320 for new 2022 models. You'll have your choice of 12 different trim levels, so you'll be sure to find an option to fit your style.

We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've found that average Lexus RX insurance premiums run about $163 per month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Lexus RX?

If you look at the table above, you'll see that car insurance rates for a Lexus RX are cheaper than average. On average, RX owners will pay around $75 monthly for liability insurance, and about $138 per month for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other Lexus models, the RX is cheaper, with premiums around 20% lower than the rest of the manufacturer's vehicle lineup. Similarly, compared to other vehicles of a similar body style, RX coverage is lower than average, with both liability only and full coverage insurance averaging less expensive prices than other SUVs.

Impressively, they're overall more affordable to insure than the average vehicle, regardless of model, make, or body style.

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Who has the Cheapest Car Insurance for a Lexus RX?

If you're searching for an auto insurance policy for a Lexus RX, you may be wondering which carrier offers the most affordable prices. Even though there will never be one company that offers the cheapest premiums for everyone, Hugo offers the most affordable average rates for liability only coverage, with rates sometimes as little as $18 monthly. The runner up for cheapest rates is CaliforniaCasualty, with auto insurance policies starting as low as just $26 a month.

The third, fourth, and fifth carriers on the list are Mile Auto, Dairyland, and MetroMile. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lexus RX.

After all, your results might be different, since insurance carriers look at a bunch of things when calculating rates. By reviewing quotes from a whole bunch of auto insurance companies at once, you can be sure you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Lexus RX?

As we mentioned above, there are a lot of variables that car insurance carriers take a look at to calculate how much they charge you -- and each carrier weighs certain attributes more than others, so there's not a single company that's the most affordable for every RX driver.

The sections below show several factors insurance companies use to decide rates:

Vehicle Age

Lexus has been making the RX for quite some time, so the car's age may make a big difference in how much you'll pay for car insurance. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and RXs begin to depreciate, insurance costs will gradually get lower.

From the table above, you can see the Lexus RX is inline with this trend, as the most expensive models to insure are those that are 1 year old or less, while the cheapest models are RXs that are 4 to 5 years old, on average.

Your Age

Your age is another factor that makes a difference in how much insurance carriers will charge you for auto insurance. In the table above, you'll see that teenage RX drivers pay more for insurance than older RX drivers. In this case, drivers under 18 pay $65 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the RX.

Your Gender

Did you know women tend to pay less for car insurance than men? This is because women are less likely to get speeding tickets and get into collisions, which decreases the chances of an insurance claim. The Lexus RX follows this convention, and men pay about $3 more than women monthly for auto insurance.

Where You Live

You're probably already aware that variables such as how old you are and what vehicle you drive play a role in your car insurance rates, but did you know that where you live can have just as much as an impact? Insurance is regulated at the state level, so prices shift quite a bit depending on what state you live in.

For example, the average Lexus RX owner in New York pays around $180 per month for liability coverage. Meanwhile, the same driver in California will pay less than half of that price, on average. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change depending on where you live.

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Lexus RX Car Insurance Discounts

Whatever what state you call home, which vehicle you drive, or how old you are, it's always a smart move to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

Even though all insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Multi-policy discounts for using the same insurance carrier for both your home and auto insurance
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Pay-in-full discounts for agreeing to pay your entire policy rate at once, rather than in monthly installments
• Multi-vehicle discounts for insuring more than one of your cars with the same company

There are all sorts of other discounts out there for saving money on your auto insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Although you don't have control over every variable insurance companies consider to calculate prices (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the things you can use to your favor when it comes to saving some cash:

Your Driving Record

It's no secret that car insurance carriers offer the lowest premiums to drivers with a history of responsible driving. It makes sense that if you get into an accident or get a ticket for speeding, insurance prices will increase. But you're probably wondering exactly how much these infractions can cost you.

If you look at the table above, you'll notice that accidents will usually cost RX drivers less than tickets, but both will result in above average rates. Lexus RX drivers with a single ticket will pay about $100 a month, while drivers with one accident on their record pay an average of $96 each month (up $21 from the $75/mo. overall average). Drivers who have multiple violations of either kind will end up paying even more.

How Much You Drive

The amount of miles you drive each year plays a big role when it comes to your auto insurance rates. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll usually end up spending less on car insurance. In the above table, you can see that Lexus RX owners who drive 10,000 miles or more pay $76 for insurance, while those who drive fewer than 2,500 miles every year pay about $68 per month.

If you don't drive much because you work from home or have a second vehicle, it may be worth learning about usage-based or pay-per-mile auto insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Lexus RXs Compare to Other Vehicles?

If you're thinking about buying a Lexus RX, it can pay off to do your due diligence. Auto insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.

Visit the table below to see how the Lexus RX compares:

Overall, the Lexus RX has an MSRP that's on par with the going rate for a new vehicle. The national average vehicle MSRP is $46,192, and the RX comes in close to that at $45,320.

Although the purchase price is right in the middle of the spectrum, car insurance prices run slightly below average when compared to other vehicles on the market. Liability insurance for a Lexus RX is about $51 per month less than average, while full coverage is $9 more a month.

When it comes to usage, Lexus RX drivers are far from the national average in annual miles driven, with 11,617 miles for all vehicles a year compared to the RX's 10,327 per year.

Lexus RX Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on how much the average driver pays to insure a Lexus RX. But if you're in thinking about buying a new car, truck, or SUV and the RX is on your wishlist, knowing what you'll likely pay can be extremely helpful as you weigh your choices.

Choose Your Model

2022 Lexus RX Car Insurance 2021 Lexus RX Car Insurance 2020 Lexus RX Car Insurance 2019 Lexus RX Car Insurance 2018 Lexus RX Car Insurance 2017 Lexus RX Car Insurance 2016 Lexus RX Car Insurance 2015 Lexus RX Car Insurance 2014 Lexus RX Car Insurance 2013 Lexus RX Car Insurance 2012 Lexus RX Car Insurance 2011 Lexus RX Car Insurance 2010 Lexus RX Car Insurance

2022 Lexus RX Car Insurance

If you're looking for a brand new Lexus RX, you've got plenty of options. With 12 different trim levels available on this year's RX, you're sure to find one that suits your style.

The average 2022 Lexus RX normally costs around $178 monthly for full coverage and $30 a month for a liability only policy. And if you want the most affordable insurance possible, Mile Auto offers liability only policies for as low as $30 monthly.

While it's helpful to know how much the average driver pays for insurance, a personalized quote is the only way to know exactly how much auto insurance will cost you. Luckily, with Compare.com you can compare quotes from lots of companies at once, all for free. To get started, simply enter your ZIP code below.

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2021 Lexus RX Car Insurance

If you're looking to buy a 2021 RX or already own one, you can expect an average car insurance premium of about $64 for liability or $171 for full coverage.

And if you're just looking for the cheapest auto insurance for your RX, Amica offers liability only policies for as little as just $38 per month.

If you want to know exactly how much you can expect to pay for your RX, just enter your ZIP code below and get several free quotes in minutes.

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2020 Lexus RX Car Insurance

2020 Lexus RX drivers can expect to pay an average of $97 monthly for liability or $213 for full coverage.

Looking for the most affordable policy? Esurance offered liability only coverage for as cheap as $42 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2019 Lexus RX Car Insurance

On average, drivers who own a 2019 RX can expect to pay $107 to $179 per month for liability only and full coverage car insurance, respectively.

We found Hugo offered the lowest policy, with rates sometimes as cheap as $18 monthly.

What could your insurance price look like? Get a variety of free personalized quotes by just entering your ZIP code below.

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2018 Lexus RX Car Insurance

The average cost to insure a 2018 Lexus RX with liability only coverage is $99 a month, while full coverage runs around $172 per month.

Dairyland offered the most affordable policy we found, with rates as cheap as just $30 monthly.

While these are good estimates of what the average driver might pay to insure a 2018 Lexus RX, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2017 Lexus RX Car Insurance

You can expect full coverage for a 2017 RX to run about $182 a month, while liability only coverage will average around $79 per month.

If you're looking for the cheapest possible 2017 Lexus RX insurance policy, Mile Auto offered the cheapest policy we found, with rates as little as $22 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2016 Lexus RX Car Insurance

It costs about $67 per month for liability or $154 for a full coverage policy for the 2016 Lexus RX.

StateAuto has premiums as cheap as just $18 monthly for the 2016 Lexus RX.

Interested in just how much you'll pay? Get several personalized quotes for free by just entering your ZIP code below.

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2015 Lexus RX Car Insurance

The average cost to insure a 2015 RX with liability only coverage is $71 per month, while full coverage runs around $137 a month.

With rates as little as $23 monthly, MetroMile offered the lowest policy we found for the 2015 Lexus RX.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2014 Lexus RX Car Insurance

2014 Lexus RX drivers can expect to pay an average of $74 a month for liability or $128 for full coverage.

With prices sometimes as little as $24 per month, Safeco offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2013 Lexus RX Car Insurance

On average, drivers who own a 2013 RX can expect to pay $83 to $132 monthly for liability only and full coverage car insurance, respectively.

With rates sometimes as low as $25 per month, Shelter Mutual offered the lowest policy we found for the 2013 Lexus RX.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get multiple customized quotes for free.

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2012 Lexus RX Car Insurance

It costs about $82 monthly for liability or $147 for a full coverage policy for the 2012 Lexus RX.

Clearcover offered the most affordable policy we found, with rates as cheap as $21 a month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2011 Lexus RX Car Insurance

You can expect full coverage for a 2011 RX to run around $132 monthly, while liability only coverage will average about $72 per month.

Looking for the lowest policy? Shelter Mutual offered liability only coverage for as low as just $24 a month.

If you want to find the best prices for auto insurance for a 2011 Lexus RX, enter your ZIP code below and compare a bunch of personalized quotes in just a few minutes.

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2010 Lexus RX Car Insurance

On average, drivers who own a 2010 Lexus RX can expect to pay $79 to $144 per month for liability only and full coverage insurance, respectively.

Mercury has premiums as low as $20 a month for the 2010 Lexus RX.

Want to find the best rates? Get lots of customized quotes for free by just entering your ZIP code below.

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Lexus RX Insurance FAQs

Is a Lexus RX expensive to insure?

Compared to the national average of all vehicles, prices come in on the more affordable end of the spectrum. Liability insurance runs an average of $75 monthly, while full coverage will cost you around $138.

How can I get the best price on car insurance for my Lexus RX?

There's only one way to be sure you're getting the most affordable rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a range of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lexus RX affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually a myth. There are quite a few variables auto insurance companies look at when they offer you a premium, but the color of your car isn't one of them.

Do I need to have insurance before I buy a Lexus RX?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) Lexus RX off the dealership lot. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a a new SUV is to let your car insurance carrier know beforehand.

What car insurance discounts can I get for my Lexus RX?

You will find a variety of different discounts out there for insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your RX has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The best way to find out is to get in touch with your insurance company and ask about their discounts.