Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,576 every 12 months for full coverage insurance. Comprehensive costs on average $304 each year, collision costs $592, and liability insurance costs around $500. A liability-only policy costs as low as $560 a year, with high-risk insurance costing around $3,424. Teen drivers cost the most to insure at $5,980 a year or more.

Average premium for full coverage: $1,576

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location and their own driving history, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $904
• Using higher $1,000 deductibles will save around $204 each year
• The average price for a good driver age 40 with $500 deductibles is $1,576
• Choosing low deductibles for physical damage coverage increases the price to $1,972
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,424 or more
• Policy cost to insure a teen driver may cost $5,980 or more

Car insurance rates for a Lexus RX 350 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your RX 350.

Choosing high deductibles could cut rates by as much as $600 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $5,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 135% more than average. View High Risk Driver Rates

Your home state has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see rates as low as $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,120 on average in Michigan, New York, and Florida.

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be varied.

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 Shop for Affordable Lexus RX 350 Insurance

Finding cheaper rates on Lexus RX 350 insurance requires being a low-risk driver, maintaining a good credit score, being claim-free, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by getting quotes from direct insurance companies, and also from several local insurance agents.

The items below are a brief review of the ideas that were presented in the illustrations above.

• Teen drivers are expensive to insure, possibly costing $498 each month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions pay on average $1,850 more each year to insure their RX 350
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• It is possible to save as much as $190 per year simply by quoting online in advance