Lexus RX 350 Insurance Rates

U.S. average insurance rates for a Lexus RX 350 are $1,530 a year for full coverage. Comprehensive costs on average $292 a year, collision costs $548, and liability costs around $510. A policy with just liability insurance costs as low as $568 a year, with coverage for high-risk drivers costing around $3,324. Teenage drivers pay the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Price estimates by individual coverage:

Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and RX 350 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above show why it is important to compare prices based on a specific location, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows estimated Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The best discount rate is $882
• Using higher $1,000 deductibles will save around $1,340 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,530
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,902
• Drivers who are prone to accidents and violations could pay upwards of $3,324 or more
• The price that insures a teen driver may cost $5,842 or more

Insurance prices for a Lexus RX 350 are also quite variable based on the trim level of your RX 350, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,800 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,800 a year. View Rates by Age

The state you live in has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see prices as low as $1,010 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,180 on average in Michigan, Louisiana, and New York.

Using high physical damage deductibles could cut prices by as much as $570 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $459 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find More Affordable Lexus RX 350 Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Compare prices once a year by getting price quotes from direct carriers, and also from local exclusive and independent agents.

Below is a summary of the data that was covered in the above illustrations.

• Drivers can save as much as $180 per year simply by quoting early and online
• Policyholders who require higher levels of liability will pay an extra $560 each year to increase from a low limit to the 250/500 level
• Teenage drivers pay the highest prices, with premiums as much as $487 a month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,790 more each year for auto insurance