Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Premium estimates for type of coverage:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance rates.

These rate differences highlight why it is important to compare rates for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Details

The chart below breaks down estimated Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $882
• Drivers who choose higher $1,000 deductibles will pay about $1,340 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,530
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $372 each year
• High-risk insureds with serious driving violations could pay at least $3,324 or more
• An auto insurance policy with full coverage for a teenage driver can be $5,842 a year

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $570 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $459 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay 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.

With such a large range in prices, the best way to figure out your exact price is to get quotes and see how they stack up. Every company calculates prices differently, so the prices will be substantially different 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 More Affordable Lexus RX 350 Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Spend time shopping around every year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below you'll find a summary of the coverage data touched on above.

• You may be able to save up to $180 per year simply by quoting early and online
• Increasing policy deductibles could save up to $550 each year
• Youthful drivers pay higher prices, with the cost nearing $487 per month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations may pay on average $1,790 more every year than a low-risk driver