Estimates, not quotes

BMW X3 vs Lexus RX Insurance Cost

The Lexus RX is cheaper to insure by about $120 a year for full coverage by our estimate ($1,565 vs. $1,445), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageBMW X3Lexus RXDifference
State minimum$585$485+$100
Standard (100/300/100)$845$705+$140
Full coverage$1,565$1,445+$120

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = X3 minus RX.

Why one costs more to insure

FactorBMW X3Lexus RX
SegmentLuxury SUVLuxury SUV
PowertrainsGasoline, Hybrid, Plug-in hybrid, DieselGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)108111
HLDI comprehensive9297
HLDI property damage liability9465
HLDI bodily injury liability9575
NHTSA overall rating4★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)116

Collision losses are the biggest swing factor: the Lexus RX has 3 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

X3 vs RX insurance by state

StateX3RXDifference
Alabama$1,370$1,285+$85
Alaska$1,380$1,275+$105
Arizona$1,635$1,505+$130
Arkansas$1,390$1,310+$80
California$1,550$1,445+$105
Colorado$1,775$1,650+$125
Connecticut$1,660$1,515+$145
Delaware$1,730$1,565+$165
District of Columbia$1,985$1,840+$145
Florida$2,205$1,980+$225
Georgia$1,920$1,745+$175
Hawaii$1,090$1,015+$75
Idaho$1,065$990+$75
Illinois$1,365$1,270+$95
Indiana$1,120$1,040+$80
Iowa$1,070$1,015+$55
Kansas$1,255$1,185+$70
Kentucky$1,315$1,210+$105
Louisiana$2,160$1,985+$175
Maine$1,005$935+$70
Maryland$1,755$1,610+$145
Massachusetts$1,545$1,430+$115
Michigan$1,715$1,590+$125
Minnesota$1,310$1,230+$80
Mississippi$1,500$1,405+$95
Missouri$1,425$1,330+$95
Montana$1,255$1,190+$65
Nebraska$1,260$1,190+$70
Nevada$1,780$1,595+$185
New Hampshire$1,120$1,045+$75
New Jersey$1,870$1,695+$175
New Mexico$1,410$1,310+$100
New York$2,085$1,895+$190
North Carolina$1,180$1,115+$65
North Dakota$1,015$970+$45
Ohio$1,125$1,050+$75
Oklahoma$1,415$1,335+$80
Oregon$1,395$1,265+$130
Pennsylvania$1,375$1,290+$85
Rhode Island$1,885$1,715+$170
South Carolina$1,660$1,510+$150
South Dakota$1,205$1,160+$45
Tennessee$1,310$1,225+$85
Texas$1,860$1,735+$125
Utah$1,415$1,285+$130
Vermont$1,030$975+$55
Virginia$1,350$1,245+$105
Washington$1,360$1,235+$125
West Virginia$1,315$1,235+$80
Wisconsin$1,075$1,005+$70
Wyoming$1,235$1,185+$50

By driver profile (full coverage)

DriverX3RX
Teen driver (18, own policy)$4,310$3,980
Young adult (22)$2,505$2,315
Adult in their 30s$1,565$1,445
Adult in their 50s$1,440$1,330
Senior (72)$1,755$1,620
30s, one at-fault accident$2,270$2,100
30s, DUI on record$2,900$2,675

More comparisons

Frequently asked questions

Is the BMW X3 or the Lexus RX cheaper to insure?

By our estimate the Lexus RX is cheaper, by about $120 a year for full coverage ($1,565 vs. $1,445) for a driver in their 30s with a clean record.

Why does insurance cost differ between the BMW X3 and Lexus RX?

Mostly because of insurance-loss history: HLDI collision indices of 108 vs. 111 and comprehensive indices of 92 vs. 97 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page