Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive insurance costs around $292 a year, collision insurance costs $548, and liability costs around $510. A policy with just liability insurance costs as low as $568 a year, and coverage for high-risk drivers costs $3,324 or more. Teens receive the highest rates at up to $5,842 a year.

Average premium for full coverage: $1,530

Rate estimates for individual coverage type:

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance rates.

These examples demonstrate why it is important to compare prices for a specific zip code, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below details average Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $882
• Using higher $1,000 deductibles will save about $1,340 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,530
• Selecting low $100 deductibles for physical damage coverage will cost an additional $372 annually
• High-risk insureds with serious driving violations could pay at least $3,324
• The cost that insures a 16-year-old driver can be $5,842 or more

Insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,800 a year. View Rates by Age

Where you live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see rates as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,070 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $570 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $459 more each 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

Saving money on insurance for a Lexus RX 350 requires being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare rates every couple of years by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

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

• Insureds who may need more liability protection will pay approximately $560 every year to increase from a minimum limit to the 250/500 level
• Youthful drivers are charged the highest rates, with premiums as much as $487 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,790 more every year than a low-risk driver
• Increasing deductibles can save approximately $550 each year