Lexus RX 350 Insurance Rates

Estimated insurance prices for a Lexus RX 350 are $1,530 every 12 months including full coverage. Comprehensive insurance costs on average $292, collision costs $548, and liability is estimated at $510. A liability-only policy costs approximately $568 a year, with high-risk insurance costing $3,324 or more. Teen drivers pay the most at $5,842 a year or more.

Average premium for full coverage: $1,530

Premium estimates by type of coverage:

Includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different RX 350 trim levels.

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. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $882
• Choosing higher $1,000 deductibles can save around $190 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,530
• Choosing more expensive low deductibles for comp and collision coverage costs an extra $372 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,324 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $5,842 each year

Auto insurance prices for a Lexus RX 350 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your RX 350.

Choosing high deductibles can save as much as $570 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 43% to 131% more than average. View High Risk Driver Rates

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 $1,170 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,180 on average in Michigan, New York, and Louisiana.

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices will be substantially 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 the Cheapest Lexus RX 350 Insurance

Finding better rates on car insurance takes being safe and accident-free, having a good credit score, refrain from filing small claims, and taking advantage of discounts. Set aside time to compare rates at least once a year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below you'll find a recap of the primary concepts that were covered above.

• You may be able to save as much as $180 per year simply by shopping early and online
• Higher risk drivers that have major violations or accidents may pay on average $1,790 more each year than a low-risk driver
• Increasing policy deductibles could save as much as $550 each year
• Youthful drivers are charged the highest prices, with the cost nearing $487 per month if comprehensive and collision insurance is included