Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. 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

Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $882
• Using higher $1,000 deductibles will save around $190 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,530
• Buying more expensive low deductibles for physical damage coverage will cost an extra $372 every year
• Drivers with multiple tickets or accidents could pay upwards of $3,324 or more
• An auto insurance policy for full coverage for a teen driver with full coverage may cost $5,842 or more

Car insurance prices for a Lexus RX 350 also have a wide range based on your driving characteristics, the model of your RX 350, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see prices as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,180 on average in Michigan, New York, and Louisiana.

Opting for high physical damage deductibles could cut prices by as much as $570 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance can be as much as 43% to 131% more than the average rate. View High Risk Driver Rates

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 insurance company utilizes a different rate formula, so rate quotes will be substantially 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 Cheap Lexus RX 350 Insurance

Finding better rates on car insurance requires having a decent driving record, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a brief summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $180 per year simply by shopping early and online
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,790 more each year than a driver with a clean driving record
• Increasing policy deductibles can save around $550 each year
• 16 to 18-year-old drivers are expensive to insure, with the cost nearing $487 per month if full coverage is included