Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,576

Premium estimates by type of coverage:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

These rate differences illustrate why all drivers should get quotes using their specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $904
• Choosing higher $1,000 deductibles can save $204 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,576
• Using low deductibles for comp and collision coverage bumps up the cost to $1,972
• Higher-risk drivers who are prone to accidents and violations could pay around $3,424 or more
• An auto insurance policy that insures a 16-year-old driver can cost $5,980 each year

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

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,900 to $2,600 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 annually 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 have to pay in the ballpark of $5,900 a year. View Rates by Age

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 $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,120 on average in Florida, New York, and Michigan.

Using high physical damage deductibles can save as much as $600 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate prices, 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 Find the Best Lexus RX 350 Insurance

Finding better rates on insurance for a Lexus RX 350 takes not taking risks behind the wheel, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Compare prices at every policy renewal by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The following is a brief recap of the data covered in the charts and tables above.

• Insureds who purchase higher liability limits will pay an extra $550 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• It is possible to save around $190 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $600 each year
• Teens have the highest car insurance prices, with premiums being up to $498 per month if the policy includes full coverage