Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Charts and Tables

The chart below details average Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $882
• Using higher $1,000 deductibles will save $190 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,530
• Selecting more expensive low deductibles for physical damage coverage costs an additional $372 each year
• Higher-risk drivers with serious driving violations could pay around $3,324
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost $5,842 or more

Car insurance prices for a Lexus RX 350 also have a wide range based on the model of your RX 350, your driving record, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance can be around 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,100 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,070 on average in New York, Michigan, and Florida.

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 the Best Cheap Lexus RX 350 Insurance

Finding better rates on auto insurance requires having a decent driving record, having a good credit score, being claim-free, and attention to physical damage deductibles. Set aside time to shop around every year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a quick review of the coverage data raised in the charts and tables above.

• You may be able to save around $180 per year just by shopping early and online
• Increasing policy deductibles could save up to $550 each year
• 16 to 18-year-old drivers pay the highest auto insurance prices, possibly costing $487 per month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation may pay on average $1,790 more per year than a driver with a clean driving record