Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive insurance costs an estimated $292 each year, collision insurance costs $548, and liability is estimated at $510. Liability-only insurance costs approximately $568 a year, and high-risk driver insurance costs $3,324 or more. Teenage drivers 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 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why all drivers should get quotes for a targeted area, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $882
• Choosing higher $1,000 deductibles can save approximately $190 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,530
• Using low deductibles for comp and collision coverage will cost an additional $372 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $3,324
• An auto insurance policy that insures a teen driver can cost as much as $5,842 each year

Insurance prices for a Lexus RX 350 also have a wide range based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,800 to $2,500 additional annually, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus RX 350 insurance prices. A good driver about age 40 could pay as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,070 on average in New York, Michigan, and Florida.

Using high physical damage deductibles can save as much as $570 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 more each 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 More Affordable Lexus RX 350 Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having a good credit score, being claim-free, and possibly raising deductibles. Compare prices at least once a year by getting quotes from direct companies, and also from insurance agencies where you live.

The list below is a summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $180 per year just by quoting online in advance
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,790 more annually for car insurance
• Increasing policy deductibles can save approximately $550 each year
• Teenagers are expensive to insure, possibly costing $487 per month if comprehensive and collision insurance is included