Lexus RX 350 Insurance Rates

The average auto insurance rates for a Lexus RX 350 are $1,530 annually including full coverage. Comprehensive insurance costs on average $292 a year, collision costs $548, and liability is $510. Liability-only coverage costs around $568 a year, with high-risk coverage costing $3,324 or more. Teens cost the most to insure at $5,842 a year or more.

Average premium for full coverage: $1,530

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and RX 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $882
• Raising to $1,000 deductibles will save around $1,340 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,530
• Selecting low $100 deductibles costs an additional $372 every year
• At-risk drivers with serious driving violations could pay upwards of $3,324 or more
• Policy cost with full coverage for a teen driver may cost $5,842

Insurance rates for a Lexus RX 350 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find rates as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,180 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, and rates will be varied between companies.

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 Buy Low Cost Lexus RX 350 Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers who have several accidents or serious violations pay on average $1,790 more each year than a driver with a clean driving record
• You may be able to save as much as $180 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Policyholders who require additional liability coverage will pay approximately $560 per year to raise from a 30/60 limit to higher 250/500 limits