Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,576 a year with full coverage. Comprehensive insurance costs approximately $304, collision insurance costs $592, and liability costs $500. A policy with only liability insurance costs as little as $560 a year, and a high-risk policy costs $3,424 or more. Teenage drivers pay the most at up to $5,980 a year.

Average premium for full coverage: $1,576

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The example below illustrates how your location can change auto insurance prices.

These rate differences demonstrate why everyone should compare rates using their specific location, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below details average Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $904
• Drivers who choose higher $1,000 deductibles will pay $204 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,576
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $396 annually
• Drivers who are prone to accidents and violations could pay around $3,424
• An auto insurance policy that insures a 16-year-old driver for full coverage can cost $5,980 a year

Car insurance prices for a Lexus RX 350 also have a wide range based on the model of your RX 350, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,900 to $2,600 extra annually, depending on your age. Lexus RX 350 insurance for high-risk drivers can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 per year 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 will be charged in the ballpark of $5,900 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus RX 350 insurance prices. A 40-year-old driver could pay as low as $1,130 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,120 on average in New York, Michigan, and Florida.

Using high physical damage deductibles could save up to $600 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 extra every 12 months. 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 the Best Cheap Lexus RX 350 Insurance

Finding better rates on insurance for a Lexus RX 350 not only requires having a decent driving record, but also having a positive credit history, being claim-free, and attention to physical damage deductibles. Compare prices once a year by getting rate quotes from direct companies, and also from local insurance agencies.

The following items are a quick review of the data that was illustrated above.

• You may be able to save around $190 per year just by quoting online well ahead of the renewal date
• Insureds who purchase additional liability coverage will pay an extra $550 every year to go from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers pay the highest auto insurance prices, possibly costing $498 per month if full coverage is purchased
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,850 more per year than a driver with a clean driving record