Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Rate estimates by individual coverage type:

Rates are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. Rural areas tend to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location and their own personal driving habits, 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 different risk profiles and scenarios.

• The cheapest rate after discounts is $882
• Using higher $1,000 deductibles will save around $1,340 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,530
• Selecting low $100 deductibles for physical damage coverage will cost $1,902
• Higher-risk drivers with serious driving violations could pay upwards of $3,324
• The cost with full coverage for a teenage driver may cost $5,842 or more

Auto insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your risk profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $570 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $459 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,070 on average in Michigan, New York, and Florida.

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 Buy the Best Cheap Lexus RX 350 Insurance

Saving money on auto insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a quick review of the concepts that were covered in the above illustrations.

• Drivers with a DUI or reckless driving violation may pay on average $1,790 more each year to buy Lexus RX 350 insurance
• Drivers age 20 and younger are charged the highest rates, costing up to $487 per month if full coverage is included
• It is possible to save as much as $180 per year just by quoting early and online
• Increasing deductibles could save up to $550 each year
• It is possible to save as much as $180 per year just by quoting early and online