Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Rate estimates by individual coverage type:

Estimates include $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

These examples show why it is important to get quotes using their specific location, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $882
• Choosing higher $1,000 deductibles can save $1,340 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,530
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $372 a year
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,324
• The cost that insures a teen driver can cost $5,842 each year

Insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 131% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus RX 350 insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Iowa, Maine, and Idaho, or as much as $2,180 on average in New York, Louisiana, and Michigan.

Choosing high deductibles can save as much as $570 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $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 Low Cost Lexus RX 350 Insurance

Saving money on Lexus RX 350 insurance takes not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Shop around every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a review of the material that was covered in the charts and tables above.

• Drivers who purchase higher liability limits will pay about $560 each year to raise limits from a minimum limit to the 250/500 level
• Teens are expensive to insure, costing as high as $487 per month if full coverage is included
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,790 more per year for RX 350 insurance
• Increasing deductibles can save approximately $550 each year