Lexus RX 350 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 28, 2024
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Average insurance rates for a Lexus RX 350 are $1,530 a year for full coverage. Comprehensive insurance costs on average $292 a year, collision insurance costs $548, and liability coverage costs $510. Buying just liability costs as little as $568 a year, and insurance for high-risk drivers costs $3,324 or more. Teenage drivers receive the highest rates at up to $5,842 a year.
Average premium for full coverage: $1,530
Rate estimates by individual coverage type:
Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and RX 350 trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from as low as $568 for just liability insurance to a high of $3,324 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows average Lexus RX 350 insurance rates for different risk profiles and scenarios.
- The best discount rate is $882
- Drivers who choose higher $1,000 deductibles will pay around $1,340 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,530
- Using low $100 deductibles for comprehensive and collision insurance will cost an extra $372 each year
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,324
- The cost for full coverage for a teenage driver may cost $5,842 a year
Auto insurance rates for a Lexus RX 350 can also vary considerably based on your driver profile, the trim level of your RX 350, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may only pay around $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards 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 $1,010 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,180 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,382 | -$148 | -9.7% |
| Alaska | $1,172 | -$358 | -23.4% |
| Arizona | $1,272 | -$258 | -16.9% |
| Arkansas | $1,530 | -$0 | 0.0% |
| California | $1,744 | $214 | 14.0% |
| Colorado | $1,458 | -$72 | -4.7% |
| Connecticut | $1,572 | $42 | 2.7% |
| Delaware | $1,730 | $200 | 13.1% |
| Florida | $1,914 | $384 | 25.1% |
| Georgia | $1,412 | -$118 | -7.7% |
| Hawaii | $1,098 | -$432 | -28.2% |
| Idaho | $1,038 | -$492 | -32.2% |
| Illinois | $1,140 | -$390 | -25.5% |
| Indiana | $1,154 | -$376 | -24.6% |
| Iowa | $1,032 | -$498 | -32.5% |
| Kansas | $1,454 | -$76 | -5.0% |
| Kentucky | $2,086 | $556 | 36.3% |
| Louisiana | $2,264 | $734 | 48.0% |
| Maine | $944 | -$586 | -38.3% |
| Maryland | $1,260 | -$270 | -17.6% |
| Massachusetts | $1,222 | -$308 | -20.1% |
| Michigan | $2,656 | $1,126 | 73.6% |
| Minnesota | $1,280 | -$250 | -16.3% |
| Mississippi | $1,834 | $304 | 19.9% |
| Missouri | $1,356 | -$174 | -11.4% |
| Montana | $1,644 | $114 | 7.5% |
| Nebraska | $1,206 | -$324 | -21.2% |
| Nevada | $1,836 | $306 | 20.0% |
| New Hampshire | $1,104 | -$426 | -27.8% |
| New Jersey | $1,712 | $182 | 11.9% |
| New Mexico | $1,354 | -$176 | -11.5% |
| New York | $1,612 | $82 | 5.4% |
| North Carolina | $882 | -$648 | -42.4% |
| North Dakota | $1,254 | -$276 | -18.0% |
| Ohio | $1,056 | -$474 | -31.0% |
| Oklahoma | $1,572 | $42 | 2.7% |
| Oregon | $1,402 | -$128 | -8.4% |
| Pennsylvania | $1,458 | -$72 | -4.7% |
| Rhode Island | $2,042 | $512 | 33.5% |
| South Carolina | $1,388 | -$142 | -9.3% |
| South Dakota | $1,292 | -$238 | -15.6% |
| Tennessee | $1,338 | -$192 | -12.5% |
| Texas | $1,844 | $314 | 20.5% |
| Utah | $1,132 | -$398 | -26.0% |
| Vermont | $1,048 | -$482 | -31.5% |
| Virginia | $916 | -$614 | -40.1% |
| Washington | $1,182 | -$348 | -22.7% |
| West Virginia | $1,404 | -$126 | -8.2% |
| Wisconsin | $1,058 | -$472 | -30.8% |
| Wyoming | $1,362 | -$168 | -11.0% |
Using high physical damage deductibles could save up to $570 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $459 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 350 2WD | $1,530 | $128 |
| Lexus RX 350 4WD | $1,530 | $128 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus RX 350 | $344 | $656 | $450 | $1,630 |
| 2023 Lexus RX 350 | $332 | $640 | $470 | $1,622 |
| 2022 Lexus RX 350 | $320 | $612 | $486 | $1,598 |
| 2021 Lexus RX 350 | $304 | $592 | $500 | $1,576 |
| 2020 Lexus RX 350 | $292 | $548 | $510 | $1,530 |
| 2019 Lexus RX 350 | $280 | $516 | $514 | $1,490 |
Rates are averaged for all Lexus RX 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Lexus RX 350 Insurance
Saving money on auto insurance not only requires being a safe and courteous driver, but also having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to compare rates at least once a year by quoting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Below is a brief review of the primary concepts that were covered in the above illustrations.
- Drivers can save as much as $180 per year just by quoting early and online
- Drivers with DUI or reckless driving convictions will pay on average $1,790 more each year for auto insurance
- Increasing deductibles can save around $550 each year
- Teenage drivers are charged the highest rates, costing as high as $487 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,842 |
| 20 | $3,548 |
| 30 | $1,586 |
| 40 | $1,530 |
| 50 | $1,402 |
| 60 | $1,376 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,902 |
| $250 | $1,728 |
| $500 | $1,530 |
| $1,000 | $1,340 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,530 |
| 50/100 | $1,632 |
| 100/300 | $1,760 |
| 250/500 | $2,091 |
| 100 CSL | $1,683 |
| 300 CSL | $1,964 |
| 500 CSL | $2,168 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,324 |
| 20 | $5,654 |
| 30 | $3,386 |
| 40 | $3,324 |
| 50 | $3,178 |
| 60 | $3,148 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $81 |
| Multi-vehicle | $82 |
| Homeowner | $24 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $99 |
| Paid in Full/EFT | $68 |
| Advance Quote | $75 |
| Online Quote | $108 |
| Total Discounts | $648 |
Discounts are estimated and may not be available from every company or in every state.
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