Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive costs approximately $292, collision costs $548, and liability coverage costs $510. A liability-only policy costs as little as $568 a year, with high-risk insurance costing around $3,324. 16-year-old drivers receive the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Rate estimates by individual coverage type:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all RX 350 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates how geographic area affects auto insurance prices.

These examples highlight why everyone should compare rates using their specific location and risk profile, rather than using rate averages.

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

More Rate Information

The chart below breaks down estimated Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $882
• Drivers who choose higher $1,000 deductibles will pay $190 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,530
• Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,902
• High-risk insureds with multiple tickets or accidents could pay around $3,324 or more
• The cost for full coverage for a teenage driver for full coverage can cost $5,842 a year

Insurance rates for a Lexus RX 350 can also vary considerably based on your driver profile, the model of your RX 350, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,800 a year. View Rates by Age

Where you live makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,180 on average in Louisiana, New York, and Michigan.

Opting for high physical damage deductibles could save up to $570 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $459 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,800 to $2,500 extra per year, depending on your age. Lexus RX 350 insurance for high-risk drivers can cost around 43% to 131% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

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

Saving money on auto insurance not only requires being a low-risk driver, but also maintaining good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The items below are a quick review of the data presented in the illustrations above.

• Consumers who purchase more liability coverage will pay around $560 per year to go from a minimum limit to 250/500 limits
• You may be able to save around $180 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $550 each year
• Teen drivers are expensive to insure, as much as $487 per month for full coverage