Lexus RX 350 Insurance Rates

The average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive costs around $292 each year, collision insurance costs $548, and liability costs $510. Buying just liability costs as little as $568 a year, and insurance for high-risk drivers costs around $3,324. Teenage drivers cost the most to insure at up to $5,842 a year.

Average premium for full coverage: $1,530

Policy rates for type of insurance:

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below details average Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $882
• Drivers who choose higher $1,000 deductibles will pay about $190 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,530
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,902
• Drivers who are prone to accidents and violations could pay at least $3,324
• Policy cost for full coverage for a 16-year-old driver can be $5,842 a year

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,800 a year. View Rates by Age

Your home state makes a big difference in Lexus RX 350 insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,070 on average in Florida, Michigan, and New York.

Using high physical damage deductibles could save up to $570 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $459 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 131% more than a normal policy. 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 the Cheapest Lexus RX 350 Insurance

Finding cheaper rates on insurance for a Lexus RX 350 not only requires being a low-risk driver, but also maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every couple of years by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a recap of the material that was covered in the charts and tables above.

• Insureds who may need more liability coverage will pay an extra $560 every year to go from a 30/60 limit to 250/500 limits
• Teen drivers pay higher rates, as much as $487 each month for full coverage
• Drivers considered higher risk that have major violations or accidents pay an average of $1,790 more every year to insure their RX 350
• Increasing comprehensive and collision deductibles can save around $550 each year