Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive insurance costs an estimated $292, collision costs $548, and liability insurance costs $510. A policy with just liability insurance costs as little as $568 a year, with coverage for high-risk drivers costing $3,324 or more. Teen drivers receive the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Rate estimates broken down by individual coverage type:

Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all RX 350 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas.

The example below illustrates how geographic area affects insurance prices.

These examples demonstrate why everyone should compare rates for a targeted area, rather than relying on price averages.

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

More Rate Details

The chart below details estimated Lexus RX 350 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $882
• Drivers who choose higher $1,000 deductibles will pay approximately $190 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,530
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $372 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,324 or more
• The cost that insures a teen driver for full coverage can cost as much as $5,842 a year

Insurance rates for a Lexus RX 350 can also vary considerably based on the model of your RX 350, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,800 to $2,500 additional per year, depending on your age. Lexus RX 350 insurance for high-risk drivers can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age

Where you live makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,070 on average in New York, Michigan, and Florida.

Choosing high deductibles could save up to $570 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $459 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from as many companies as possible. Every company uses a different rate calculation, and rates can be significantly different.

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 Affordable Lexus RX 350 Insurance

Saving money on Lexus RX 350 insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Shop around every year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief review of the coverage data presented in the illustrations above.

• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $550 each year
• Teenage drivers are expensive to insure, with premiums as much as $487 per month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,790 more annually for auto insurance