Lexus RX 350 Insurance Rates

Estimated insurance prices for a Lexus RX 350 are $1,576 every 12 months for full coverage insurance. Comprehensive costs an estimated $304, collision costs $592, and liability costs around $500. Liability-only insurance costs as low as $560 a year, with high-risk driver insurance costing around $3,424. Teen drivers pay the most at $5,980 a year or more.

Average premium for full coverage: $1,576

Premium estimates broken down by type of coverage:

Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.

The example below illustrates how rural and urban location affects insurance prices.

These rate differences illustrate why everyone should compare prices for a targeted area and their own driving history, instead of using price averages.

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

Additional Rate Analysis

The chart below illustrates estimated Lexus RX 350 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $904
• Using higher $1,000 deductibles will save approximately $204 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,576
• Choosing pricier low deductibles for physical damage coverage increases the price to $1,972
• Drivers with multiple violations and an at-fault accident could pay up to $3,424 or more
• An auto insurance policy to insure a teen driver for full coverage can cost as much as $5,980 or more

Insurance prices for a Lexus RX 350 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $600 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $450 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,900 to $2,600 additional annually, depending on your age. Lexus RX 350 insurance for high-risk drivers can be as much as 43% to 135% more than average. View High Risk Driver Rates

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

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and 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 Right Lexus RX 350 Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a quick rundown of the coverage data raised in the charts and tables above.

• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $600 each year
• Teenage drivers are expensive to insure, with premiums being up to $498 per month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,850 more annually for auto insurance