Lexus RX 350 Insurance Rates

U.S. average insurance prices for a Lexus RX 350 are $1,530 every 12 months for full coverage insurance. Comprehensive insurance costs on average $292, collision costs $548, and liability coverage is estimated at $510. Liability-only coverage costs approximately $568 a year, with high-risk coverage costing $3,324 or more. Teens pay the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all RX 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why everyone should get quotes based on a specific location and their own driving history, rather than using averaged prices.

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

More Rate Information

The chart below illustrates estimated Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $882
• Choosing higher $1,000 deductibles can save around $190 each year
• The average price for the average middle-age driver with $500 deductibles is $1,530
• Selecting pricier low deductibles for comp and collision coverage costs an extra $372 each year
• Drivers with serious driving violations could pay upwards of $3,324 or more
• The price to insure a teenage driver for full coverage may cost $5,842 each year

Auto insurance prices for a Lexus RX 350 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your RX 350.

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $459 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,500 in extra premium each year, depending on your age. Lexus RX 350 insurance for high-risk drivers ranges around 43% to 131% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Lexus RX 350 insurance rates. A good driver about age 40 could pay 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.

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer calculates prices differently, and quoted prices may be quite different.

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 Shop for More Affordable Lexus RX 350 Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and taking advantage of discounts. Take the time to compare rates once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a summary of the data that was covered in the above illustrations.

• It is possible to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Consumers who require higher liability limits will pay approximately $560 annually to raise limits from a low limit to a 250/500 level
• Teenagers are charged the highest prices, as much as $487 a month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations pay on average $1,790 more each year for car insurance