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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Lexus RX 350 insurance costs around $150 per month, which is 8% lower than the national average of $163 for all vehicles.
USAA is the cheapest company for the RX 350, with an average premium of $77 per month.
The RX 350’s luxury status and higher repair costs can raise your insurance premiums, but its strong safety features help keep rates lower.
The cost of your Lexus RX 350 insurance depends on the coverage level you choose. Liability-only coverage protects others if you cause an accident, but it doesn’t pay for damage to your RX 350.
Full-coverage policies include liability, plus comprehensive coverage for non-collision claims such as theft, damage from animals, or weather-related events. Collision coverage, which is also included in full-coverage policies, pays for accident damage to your SUV.
Check out the table below to see how the average RX 350 insurance rates compare with the national average for all vehicles, according to our data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Lexus RX 350 | $114 | $186 | $150 |
| All vehicles | $113 | $212 | $163 |
On average, RX 350 drivers pay about the same for liability insurance as other drivers, at $114 per month. But full-coverage rates are about 12% lower, at $186 per month.
The following sections break down how factors like driver age, driving record, state, and RX 350 model year affect car insurance costs.
Comparing quotes can save you up to $867.†
Insurance rates for the Lexus RX 350 can vary quite a bit from one company to another, even for the same driver and coverage type. That’s why comparing quotes is key if you want the best deal.
The table below highlights the cheapest insurance companies for the RX 350, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $77 |
| State Farm | $85 |
| Allstate | $108 |
| GEICO | $118 |
| AAA | $130 |
| American Family | $115 |
| Progressive | $143 |
| Nationwide | $140 |
| Travelers | $146 |
| Farmers | $165 |
| Liberty Mutual | $197 |
| Amica | $372 |
USAA has the most affordable rates for the Lexus RX 350, averaging $77 per month. That’s about 49% cheaper than the overall average monthly premium of $150 for this model.
Now, let’s take a closer look at the three cheapest companies and see why each could be a great match for your Lexus RX 350.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers some of the most affordable rates for RX 350 drivers who qualify for membership. The company consistently earns strong customer satisfaction ratings, has a highly rated mobile app, and offers military-friendly benefits.
Though you won’t find many optional coverages, low-mileage drivers can choose pay-per-mile insurance instead of a traditional policy, which could offer even more potential savings.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers affordable rates for the Lexus RX 350, especially if you have a clean driving record. The company’s extensive network of local agents offers the personal touch that’s rare among big insurers.
You can also earn extra savings through programs like Drive Safe & Save and Steer Clear for young drivers.
Reliable service
Plenty of available discounts
Many available local agents
Limited coverage options
Customer satisfaction varies by agency
Not available in Massachusetts or Rhode Island
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate is a solid choice for RX 350 drivers who want customizable policies and optional coverages, such as rental reimbursement, rideshare insurance, and extended warranty coverage.
It’s a bit pricier than USAA and State Farm, but low-mileage drivers can save with Milewise pay-per-mile insurance, and safe drivers with the Drivewise telematics program.
Customizable full-coverage policies
Available in all 50 states
Pay-per-mile insurance available
Below-average claims satisfaction rating[4]
Doesn’t offer deductible rewards
Potential mobile app performance issues
Lexus is a luxury brand, and the 2025 RX 350 has a starting MSRP of $50,475.[5] But auto insurance for an RX 350 can be surprisingly affordable, averaging just $150 per month, compared to $163 for all vehicles.
And the older your RX 350, the lower your premium is likely to be. That’s because vehicles depreciate in value, and as they get older, it costs insurers less to replace them.
Here’s a quick look at the average monthly premiums for different RX 350 model years, according to our data.
RX 350 Model Year | Average Monthly Premium |
|---|---|
| 2026 | $180 |
| 2025 | $181 |
| 2024 | $181 |
| 2023 | $181 |
| 2022 | $181 |
| 2021 | $175 |
| 2020 | $167 |
| 2019 | $163 |
| 2018 | $157 |
| 2017 | $154 |
| 2016 | $150 |
| 2015 | $146 |
| 2014 | $144 |
| 2013 | $137 |
| 2012 | $133 |
| 2011 | $130 |
| 2010 | $128 |
| 2009 | $123 |
| 2008 | $122 |
| 2007 | $120 |
| 2006 | $118 |
| 2005 | $115 |
| 2004 | $112 |
| 2003 | $111 |
| 2002 | $112 |
| 2001 | $112 |
| 2000 | $110 |
Company | Average Monthly Premium |
|---|---|
| USAA | $92 |
| State Farm | $102 |
| Allstate | $130 |
| GEICO | $142 |
| AAA | $156 |
| American Family | $138 |
| Progressive | $171 |
| Nationwide | $168 |
| Travelers | $175 |
| Farmers | $198 |
| Liberty Mutual | $236 |
| Amica | $446 |
Company | Average Monthly Premium |
|---|---|
| USAA | $93 |
| State Farm | $103 |
| Allstate | $130 |
| GEICO | $143 |
| AAA | $157 |
| American Family | $139 |
| Progressive | $173 |
| Nationwide | $169 |
| Travelers | $176 |
| Farmers | $199 |
| Liberty Mutual | $238 |
| Amica | $449 |
Company | Average Monthly Premium |
|---|---|
| USAA | $93 |
| State Farm | $103 |
| Allstate | $130 |
| GEICO | $143 |
| AAA | $157 |
| American Family | $139 |
| Progressive | $173 |
| Nationwide | $169 |
| Travelers | $176 |
| Farmers | $199 |
| Liberty Mutual | $238 |
| Amica | $449 |
Company | Average Monthly Premium |
|---|---|
| USAA | $93 |
| State Farm | $102 |
| Allstate | $130 |
| GEICO | $142 |
| AAA | $156 |
| American Family | $138 |
| Progressive | $172 |
| Nationwide | $169 |
| Travelers | $176 |
| Farmers | $199 |
| Liberty Mutual | $237 |
| Amica | $448 |
Company | Average Monthly Premium |
|---|---|
| USAA | $93 |
| State Farm | $102 |
| Allstate | $130 |
| GEICO | $142 |
| AAA | $156 |
| American Family | $138 |
| Progressive | $172 |
| Nationwide | $169 |
| Travelers | $176 |
| Farmers | $199 |
| Liberty Mutual | $237 |
| Amica | $448 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $99 |
| Allstate | $126 |
| GEICO | $137 |
| AAA | $151 |
| American Family | $134 |
| Progressive | $166 |
| Nationwide | $163 |
| Travelers | $170 |
| Farmers | $192 |
| Liberty Mutual | $229 |
| Amica | $433 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $94 |
| Allstate | $120 |
| GEICO | $131 |
| AAA | $144 |
| American Family | $128 |
| Progressive | $159 |
| Nationwide | $155 |
| Travelers | $162 |
| Farmers | $183 |
| Liberty Mutual | $219 |
| Amica | $413 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $92 |
| Allstate | $117 |
| GEICO | $128 |
| AAA | $141 |
| American Family | $125 |
| Progressive | $156 |
| Nationwide | $152 |
| Travelers | $159 |
| Farmers | $179 |
| Liberty Mutual | $214 |
| Amica | $405 |
Company | Average Monthly Premium |
|---|---|
| USAA | $81 |
| State Farm | $89 |
| Allstate | $113 |
| GEICO | $124 |
| AAA | $136 |
| American Family | $120 |
| Progressive | $150 |
| Nationwide | $147 |
| Travelers | $153 |
| Farmers | $173 |
| Liberty Mutual | $206 |
| Amica | $390 |
Company | Average Monthly Premium |
|---|---|
| USAA | $79 |
| State Farm | $88 |
| Allstate | $111 |
| GEICO | $122 |
| AAA | $134 |
| American Family | $118 |
| Progressive | $147 |
| Nationwide | $144 |
| Travelers | $150 |
| Farmers | $170 |
| Liberty Mutual | $203 |
| Amica | $383 |
Company | Average Monthly Premium |
|---|---|
| USAA | $77 |
| State Farm | $85 |
| Allstate | $108 |
| GEICO | $118 |
| AAA | $130 |
| American Family | $115 |
| Progressive | $143 |
| Nationwide | $140 |
| Travelers | $146 |
| Farmers | $165 |
| Liberty Mutual | $197 |
| Amica | $371 |
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Allstate | $105 |
| GEICO | $115 |
| AAA | $127 |
| American Family | $112 |
| Progressive | $140 |
| Nationwide | $137 |
| Travelers | $143 |
| Farmers | $161 |
| Liberty Mutual | $192 |
| Amica | $363 |
Compare personalized quotes from dozens of top companies in minutes.
Your insurance premium varies significantly depending on the state you call home. Local factors like accident frequency, crime rates, weather patterns, and state-mandated coverage requirements all play a role in pricing. Urban areas with heavy traffic and states prone to severe weather often see steeper rates.[6]
The map below shows the average monthly insurance premiums by state for the Lexus RX 350, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $124 |
| Arizona | $142 |
| Arkansas | $132 |
| California | $161 |
| Colorado | $161 |
| Connecticut | $223 |
| Delaware | $187 |
| Florida | $175 |
| Georgia | $200 |
| Hawaii | $99 |
| Idaho | $84 |
| Illinois | $82 |
| Indiana | $124 |
| Iowa | $102 |
| Kansas | $116 |
| Kentucky | $155 |
| Louisiana | $168 |
| Maine | $118 |
| Maryland | $238 |
| Massachusetts | $110 |
| Michigan | $181 |
| Minnesota | $136 |
| Mississippi | $142 |
| Missouri | $118 |
| Montana | $117 |
| Nebraska | $70 |
| Nevada | $92 |
| New Hampshire | $113 |
| New Jersey | $69 |
| New Mexico | $211 |
| New York | $114 |
| North Carolina | $199 |
| North Dakota | $173 |
| Ohio | $97 |
| Oklahoma | $134 |
| Oregon | $120 |
| Pennsylvania | $126 |
| Rhode Island | $173 |
| South Carolina | $192 |
| South Dakota | $108 |
| Tennessee | $112 |
| Texas | $172 |
| Utah | $118 |
| Vermont | $140 |
| Virginia | $112 |
| Washington | $133 |
| Washington D.C. | $247 |
| West Virginia | $95 |
| Wisconsin | $116 |
| Wyoming | $88 |
Experience behind the wheel typically leads to lower premiums and safer driving. Teen drivers face the highest costs since their crash rates are nearly triple those of adults.[7] By your 30s, rates generally level out, and many seniors may even qualify for additional discounts.
Here’s what average monthly premiums by driver age look like for the RX 350, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $288 |
| Adults | $150 |
| Seniors | $129 |
Younger drivers pay higher premiums because they’re statistically the most accident-prone age group. Teen drivers are more likely to make critical errors, such as failing to scan for hazards, driving too fast for conditions, or getting distracted while driving.
Here’s how average monthly rates for teens driving a Lexus RX 350 stack up by company, according to Compare.com data.
Many seniors pay less for Lexus RX 350 insurance because they typically drive fewer miles and are more cautious behind the wheel than other age groups. Drivers in their late 60s have some of the lowest crash and claim rates of any age group, helping reduce premiums.[8]
Check out the chart below to see Lexus RX 350 rates for seniors, according to Compare.com data.
Your driving history plays a major role in what you pay for coverage. Insurance companies view past behavior as a predictor of future risk, so accidents, tickets, or driving under the influence (DUI) convictions often lead to higher premiums.
But even with driving violations, RX 350 drivers still have options. Some insurers specialize in helping drivers with blemished records find affordable coverage.
Here’s what average monthly premiums look like for Lexus RX 350 drivers with different records, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $150 |
| Speeding ticket | $201 |
| At-fault accident | $215 |
| DUI | $252 |
Speed is a factor in nearly one-third of all accidents, so speeding tickets signal a higher accident risk to insurers.[9] Insurers don’t all weigh speeding severity the same, though. Whereas minor speeding may raise rates modestly, excessive speeding or repeat offenses can mean much larger hikes.
Here’s a look at average monthly premiums by company for Lexus RX 350 drivers with a speeding ticket, based on our data.
If you cause an accident that leads to a damage or injury claim, it’s likely your insurance premium will go up. Even one accident can increase rates by 33%, according to Compare.com data.
The chart below highlights the cheapest companies and average monthly premiums for Lexus RX 350 drivers with an at-fault accident on their record, according to our data.
A DUI will substantially increase your Lexus RX 350 insurance costs. Drunk driving is extremely dangerous, and it causes about one death every 42 minutes, according to the National Highway Traffic Safety Administration (NHTSA). To make up for the substantial risk, insurers charge significantly higher premiums to cover a driver with a DUI.
In most states, a DUI conviction will also require filing an SR-22 or FR-44 form to reinstate your license. These certificates confirm that you have the required state insurance coverage.
Here are the cheapest companies for Lexus RX 350 insurance if you have a DUI on your record, according to our data.
Several key factors influence how much you’ll pay to insure a Lexus RX 350, including:
Vehicle value and trims: The 2025 RX 350 starts at around $50,000, with higher trims topping $70,000, which drives up claims payouts and premiums.
Repair costs and luxury status: As a luxury midsize SUV, the RX 350 often requires specialized parts and labor, which tend to be more expensive than non-luxury models.
Safety ratings and features: The RX 350 has a 5-star NHTSA safety rating and is a Top Safety Pick by the Insurance Institute for Highway Safety (IIHS).[10] High ratings and standard safety features, such as lane-departure warnings, pedestrian detection, and other driver-assist technologies, help lower risks and insurance costs.
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Try the tips below to save on Lexus RX 350 car insurance.
Consider usage-based insurance. If you don’t drive your RX 350 daily, ask about a low-mileage discount or sign up for your insurer’s usage-based insurance program.
Ask about affiliations. Many insurers offer affinity discounts for members of organizations such as alumni clubs, fraternities, honor societies, credit unions, or car clubs.
Pay your bill in full. Some insurers offer a paid-in-full discount when you pay your premium in full instead of installments.
Install a security system. Adding a security or vehicle recovery system to your Lexus may qualify you for additional discounts.
Insuring a Lexus RX 350 can raise questions, given its luxury status and moderate repair costs. Below, we’ve answered some of the most common questions to help you find the best coverage and rates for your RX 350.
Not really. Insurance for an RX 350 can be surprisingly affordable. Overall, it costs an average of $150 per month to insure the Lexus RX 350, compared to $163 per month for all vehicles, according to our data. But your actual rates will depend on factors such as your driving history, model year, and the coverage levels you choose.
Our research shows that USAA offers the cheapest rates for the RX 350, averaging $77 per month. But only military members and their families can purchase a USAA policy. The next affordable options are State Farm and Allstate, with average rates of $85 and $108 per month, respectively.
The average cost of insurance for a 2025 RX 350 is $181 per month, according to Compare.com data.
The Lexus RX is the most affordable Lexus model to insure, with an average monthly cost of $150, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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