Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year for full coverage insurance. Comprehensive insurance costs around $292, collision insurance costs $548, and liability 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 for type of coverage:

Rates are based on $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

More Rate Information

The chart below illustrates 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 $190 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,530
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $372 every year
• Drivers with serious driving violations could pay at least $3,324
• An auto insurance policy for full coverage for a teen driver with full coverage can be $5,842 or more

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

An older driver with a good driving record and high deductibles may 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 as much as $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see prices 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.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 every year, while increasing your policy's liability limits will increase prices. Switching 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 probably paying at least $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 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 the Best Cheap Lexus RX 350 Insurance

Finding better rates on car insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a quick review of the information covered in the above illustrations.

• It is possible to save up to $180 per year just by shopping early and online
• Teens are expensive to insure, with premiums being up to $487 per month if they have full coverage
• Increasing policy deductibles can save around $550 each year
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,790 more every year for RX 350 insurance
• Policyholders who may need higher liability limits will pay approximately $560 annually to increase from 30/60 bodily injury limits to 250/500 limits