Lexus RX 350 Insurance Rates

U.S. average insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive costs an estimated $292 each year, collision costs $548, and liability coverage is estimated at $510. Liability-only insurance costs approximately $568 a year, with high-risk driver insurance costing around $3,324. Teens pay the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Price estimates broken down by individual coverage:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and RX 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on insurance prices.

The ranges above highlight why all drivers should get quotes for a targeted area, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $882
• Choosing higher $1,000 deductibles can save approximately $190 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,530
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,902
• Drivers with serious driving violations could pay up to $3,324 or more
• The price that insures a teenage driver can cost as much as $5,842 each year

Car insurance prices for a Lexus RX 350 are also quite variable based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $5,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus RX 350 insurance rates. A good driver about age 40 could pay as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,180 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Each auto insurer calculates prices differently, so rate quotes may be quite 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 Find Affordable Lexus RX 350 Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, having a positive credit history, being claim-free, and not having any coverage lapses. Compare rates at every other renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a brief review of the concepts that were touched on in this article.

• Drivers with DUI or reckless driving convictions could be charged and average of $1,790 more annually for auto insurance
• Teenage drivers have the highest car insurance prices, possibly costing $487 a month if full coverage is purchased
• You may be able to save approximately $180 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $550 each year
• You may be able to save approximately $180 per year simply by quoting online in advance