Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Premium estimates by type of coverage:

Price estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why all drivers should compare prices based on a specific location and risk profile, rather than relying on price averages.

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

Rate Comparisons

The chart below illustrates average Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $882
• Using higher $1,000 deductibles will save around $190 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,530
• Choosing low deductibles for physical damage coverage will increase the cost to $1,902
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,324
• An auto insurance policy for full coverage for a teen driver 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 year and trim level, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles could 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 rates. A driver around age 40 might see prices as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,070 on average in Michigan, New York, and Florida.

Choosing high deductibles could cut prices by as much as $570 each year, whereas increasing liability limits will cost you more. Switching 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 probably paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 131% more than average. View High Risk Driver Rates

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 Cheaper Lexus RX 350 Insurance

Finding better rates on Lexus RX 350 insurance requires having a good driving record, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a condensed summary of the material that was covered in the above illustrations.

• Drivers who require increased levels of liability coverage will pay about $560 annually to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers age 20 and younger are expensive to insure, with premiums being up to $487 per month if full coverage is included
• High-risk drivers with multiple at-fault accidents pay an average of $1,790 more each year to buy Lexus RX 350 insurance
• Increasing policy deductibles can save around $550 each year