Lexus RX 350 Insurance Rates

The average insurance rates for a Lexus RX 350 are $1,530 a year for full coverage insurance. Comprehensive costs approximately $292 each year, collision insurance costs $548, and liability coverage is $510. Buying just liability costs around $568 a year, and insurance for high-risk drivers costs around $3,324. Teens cost the most to insure at up to $5,842 a year.

Average premium for full coverage: $1,530

Policy rates by type of insurance:

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below illustrates average Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $882
• Raising to $1,000 deductibles will save $190 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,530
• Selecting low deductibles bumps up the cost to $1,902
• Unlucky drivers with serious driving violations could pay around $3,324
• Policy cost that insures a teenage driver can cost $5,842

Insurance rates for a Lexus RX 350 also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,800 a year. View Rates by Age

Your home state also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,070 on average in Florida, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $459 more per year. View Rates by Deductible or Liability Limit

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 the Right Lexus RX 350 Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having above-average credit, being claim-free, and possibly raising deductibles. Compare rates once a year by getting quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a quick rundown of the data that was touched on in this article.

• It is possible to save around $180 per year just by quoting online in advance
• Consumers who purchase more liability protection will pay approximately $560 annually to raise from a 30/60 limit to the 250/500 level
• Youthful drivers are expensive to insure, possibly costing $487 each month if full coverage is included
• Drivers with reckless driving or DUI convictions could be charged and average of $1,790 more per year than a low-risk driver