Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive insurance costs an estimated $292 each year, collision insurance costs $548, and liability insurance costs around $510. A liability-only policy costs as low as $568 a year, and high-risk insurance costs $3,324 or more. Teens pay the most at up to $5,842 a year.

Average premium for full coverage: $1,530

Premium estimates broken down by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects insurance prices.

These rate differences highlight why all drivers should compare prices for a targeted area and risk profile, rather than relying on averaged prices.

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

Rate Comparisons

The chart below breaks down average Lexus RX 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $882
• Using higher $1,000 deductibles will save approximately $190 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,530
• Selecting low deductibles for physical damage coverage will cost an extra $372 a year
• Drivers with serious driving violations could pay up to $3,324
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,842 or more

Auto insurance prices for a Lexus RX 350 also have a wide range based on your driving characteristics, the model of your RX 350, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see prices as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,180 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,800 to $2,500 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

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

Finding better rates on Lexus RX 350 insurance requires being safe and accident-free, having good credit, refrain from filing small claims, and consideration of higher deductibles. Invest the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a summary of the concepts that were presented in the illustrations above.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,790 more annually than a low-risk driver
• Youthful drivers are the costliest to insure, with the cost nearing $487 per month if they have full coverage
• You may be able to save approximately $180 per year just by quoting online in advance
• Increasing policy deductibles can save around $550 each year
• You may be able to save approximately $180 per year just by quoting online in advance