Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,598 a year for full coverage insurance. Comprehensive costs around $320, collision insurance costs $612, and liability is $486. Liability-only insurance costs around $548 a year, and high-risk driver insurance costs around $3,470. Teenage drivers pay the most at up to $6,018 a year.

Average premium for full coverage: $1,598

Premium estimates for type of coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. 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

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below illustrates average Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $916
• Raising to $1,000 deductibles will save about $210 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,598
• Using more expensive low deductibles bumps up the cost to $2,014
• Drivers who are prone to accidents and violations could pay at least $3,470
• An auto insurance policy that insures a 16-year-old driver with full coverage can be $6,018

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

If you have a few violations or you caused an accident, you are probably paying at least $1,900 to $2,600 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 every 12 months on average, or $125 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 as much as $6,000 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find prices as low as $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,160 on average in Michigan, New York, and Florida.

Using high physical damage deductibles can reduce prices by up to $630 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $438 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 Cheaper Lexus RX 350 Insurance

Finding better rates on insurance for a Lexus RX 350 consists of being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare prices at every other renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a condensed summary of the concepts that were covered above.

• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,870 more every year to insure their RX 350
• Teen drivers are charged the highest prices, with premiums being up to $502 per month if comprehensive and collision insurance is included
• It is possible to save up to $190 per year just by shopping early and online
• Increasing policy deductibles can save approximately $625 each year
• It is possible to save up to $190 per year just by shopping early and online