Lexus RX 350 Insurance Rates

Average auto insurance rates for a Lexus RX 350 are $1,576 annually including full coverage. Comprehensive costs approximately $304 a year, collision insurance costs $592, and liability is $500. Liability-only coverage costs around $560 a year, and high-risk coverage costs around $3,424. Teenage drivers receive the highest rates at up to $5,980 a year.

Average premium for full coverage: $1,576

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

These examples highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $904
• Raising to $1,000 deductibles will save $1,372 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,576
• Using low $100 deductibles will cost $1,972
• At-risk drivers who are prone to accidents and violations could pay around $3,424
• The cost with full coverage for a teen driver can cost $5,980

Car insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $600 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $450 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find rates as low as $1,210 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,250 on average in Louisiana, 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 Best Lexus RX 350 Insurance

Saving money on car insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and attention to physical damage deductibles. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The points below are a brief recap of the information touched on in the above illustrations.

• You may be able to save around $190 per year just by quoting early and online
• Drivers under the age of 20 pay the highest auto insurance rates, as much as $498 per month if comprehensive and collision insurance is included
• Increasing deductibles could save up to $600 each year
• Higher risk drivers who tend to receive serious violations may have to pay on average $1,850 more per year to insure a Lexus RX 350
• Policyholders who purchase increased liability limits will pay an extra $550 per year to raise from a minimum limit to higher 250/500 limits