Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,530 every 12 months for full coverage insurance. Comprehensive costs an estimated $292 each year, collision insurance costs $548, and liability coverage costs $510. A liability-only policy costs as little as $568 a year, and high-risk insurance costs around $3,324. Teens cost the most to insure at up to $5,842 a year.

Average premium for full coverage: $1,530

Policy rates broken down by type of insurance:

These estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how location helps determine insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and their own driving history, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $882
• Drivers who choose higher $1,000 deductibles will pay approximately $190 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,530
• Selecting low deductibles for comprehensive and collision insurance increases the price to $1,902
• High-risk insureds with serious driving violations could pay up to $3,324
• Policy cost to insure a teenage driver can cost as much as $5,842 a year

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

Choosing higher comprehensive and collision insurance deductibles could save up to $570 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $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 Shop for Cheap Lexus RX 350 Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also maintaining a good credit score, being claim-free, and possibly higher deductibles. Invest time comparing rates every year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a brief summary of the coverage data covered in the charts and tables above.

• It is possible to save approximately $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers age 20 and younger have the highest car insurance rates, possibly costing $487 each month if the policy includes full coverage
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,790 more annually to buy Lexus RX 350 insurance