Compare 2021 Lexus RX 350 Car Insurance Cost in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Want the cheapest insurance coverage rates for your Lexus RX 350? Trying to find the cheapest insurance for a Lexus RX 350 can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to shop for insurance coverage and you need to know the best way to price shop coverage for a new or used Lexus and obtain the best price possible from both online companies and local agents.

It’s a great practice to get comparison quotes every six months because rates go up and down regularly. Just because you found the lowest rate on RX 350 insurance at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to how to quote online to find great coverage at a great price.

How much is insurance?

Finding a lower price on 2021 Lexus RX 350 insurance is not a difficult process. The only thing you need to do is spend a few minutes on the computer to compare rate quotes to find out which insurance company has the cheapest auto insurance quotes. This can easily be done in a couple of different ways.

If you’re in a hurry, the quickest way consumers can analyze rates would be an industry-wide quote request form. This method prevents you from having to do separate quote forms for every company. A single form gets prices estimates from insurance companies with the best prices. It’s the quickest way to get rates.

A different way to find lower rates consists of going to the website for each individual company and request a quote. For sake of this example, we’ll pretend you want to compare Allstate, 21st Century and State Farm. You would need to spend time going to each site individually and type in your information over and over, which is why the first method is more popular.

How you compare quotes is your choice, just be sure to compare exactly the same coverage data with each company. If you compare different data it’s not possible to get a fair rate comparison.

Verify you’re receiving every discount

Car insurance companies don’t always advertise every discount available very well, so the next list breaks down both the well known and also the more inconspicuous credits available to you.

  • ABS Braking Discount – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • Multi-Vehicle Discounts – Buying insurance for all your vehicles with the same car insurance company can get a discount for every vehicle.
  • Memberships – Being in specific professional or occupational memberships or organizations may earn a discount on your next car insurance statement.
  • Cautious Driver Discounts – Accident-free drivers could pay up to 40% less on RX 350 insurance compared to accident prone drivers.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts can save 10% or more on medical payment and PIP coverage.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you can avoid the installment charge.

Remember that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.

To view companies offering car insurance discounts, enter your zip code here.

When should I discuss my situation with an agent?

When choosing adequate coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

These are some specific questions may help you determine if your situation might need professional guidance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Exactly who is provided coverage by my policy?
  • Am I covered if I crash into my own garage door?
  • Should I have combined single limit or split liability limits?
  • What is the rate difference between pleasure use and commuting?
  • Can I still get insurance after a DUI?
  • Should I rate my 2021 Lexus RX 350 as pleasure use or commute?
  • Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete your zip code. It’s fast, free and may give you better protection.

Insurance rates are influenced by these factors

Lots of factors are considered when quoting car insurance. Some of the criteria are obvious like an MVR report, but other criteria are not quite as obvious like where you live or your vehicle rating.

  • Only buy what you need – There are many extra coverages that you can buy if you aren’t careful. Things like roadside assistance, high-cost glass coverage, and term life insurance are examples of these. You may think they are a good idea when talking to your agent, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Responsible drivers have lower premiums – Good drivers have lower premiums than people who have multiple driving citations. Even one speeding ticket can increase rates forty percent or more. Drivers with multiple violations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to prove financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
  • Rates may be lower depending on your job – Occupational choices like real estate brokers, business owners and stock brokers tend to have higher premiums than the average policyholder attributed to intense work situations and lots of time spent away from family. On the flip side, jobs like actors, athletes and performers get better rates on RX 350 insurance.
  • Older drivers are lower risk – Older people have been proven to be more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers are proven to get distracted easily behind the wheel so they pay higher insurance rates.
  • Where you live factors in – Residing in small towns and rural areas can save you money when buying insurance. City drivers regularly have more road rage incidents and a longer drive to work. Less people living in that area means less chance of accidents.
  • Bad credit hurts insurance rates – Credit score can be a huge factor in your rate calculation. If your credit score leaves room for improvement, you could potentially save money when insuring your 2021 Lexus RX 350 by repairing your credit. Consumers who have good credit tend to be less risk to insure as compared to drivers with poor credit scores.

Coverages available on your policy

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Lexus RX 350.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for chiropractic care, rehabilitation expenses, hospital visits, ambulance fees and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage


Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as funeral expenses, repair bills for other people’s vehicles, medical expenses and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, vandalism and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

The bottom line

People leave their current company for a number of reasons such as questionable increases in premium, delays in responding to claim requests, poor customer service and policy cancellation. It doesn’t matter why you want to switch finding a new insurance company is pretty easy and you might even save some money in the process.

Throughout this article, we presented some good ideas how you can compare 2021 Lexus RX 350 insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the higher your chance of finding cheap auto insurance. You may even find the best price on insurance is with a small mutual company.

When you buy auto insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption