Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Premium estimates broken down by type of coverage:

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities. The example below illustrates how location impacts insurance prices.

These rate differences illustrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

The chart below illustrates average Lexus RX 350 insurance rates for other coverage scenarios.

• The best discount rate is $882
• Drivers who choose higher $1,000 deductibles will pay approximately $190 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,530
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,902
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,324
• An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $5,842 a year

Auto insurance prices for a Lexus RX 350 also have a wide range based on the model of your RX 350, your risk profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $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 will have to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,800 to $2,500 in extra premium annually, depending on your age. Lexus RX 350 insurance for high-risk drivers can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $570 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lexus RX 350 insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,070 on average in Florida, New York, and Michigan.

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 Right Lexus RX 350 Insurance

Finding better rates on car insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around every time your policy renews by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a quick rundown of the information touched on above.

• It is possible to save approximately $180 per year just by quoting online well ahead of the renewal date
• Teen drivers are the costliest to insure, with premiums being up to $487 per month if full coverage is included
• Increasing policy deductibles could save up to $550 each year
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,790 more annually to insure their RX 350
• Policyholders who want more liability coverage will pay an extra $560 annually to go from 30/60 bodily injury limits to higher 250/500 limits