Lexus RX 350 Insurance Rates

The average insurance rates for a Lexus RX 350 are $1,530 a year for full coverage. Comprehensive costs around $292, collision costs $548, and liability costs around $510. Liability-only coverage costs as low as $568 a year, with high-risk coverage costing around $3,324. 16-year-old drivers cost the most to insure at $5,842 a year or more.

Average premium for full coverage: $1,530

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities.

The example below illustrates how location impacts auto insurance rates.

The examples above show why everyone should compare prices for a specific zip code, instead of making a decision based on rate averages.

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

More Rate Details

The chart below shows estimated Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $882
• Using higher $1,000 deductibles will save about $190 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,530
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,902
• High-risk insureds with multiple tickets or accidents could pay at least $3,324 or more
• Policy cost that insures a 16-year-old driver for full coverage can be $5,842 or more

Insurance rates for a Lexus RX 350 also range considerably based on the model of your RX 350, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,800 to $2,500 additional every year, depending on your age. Lexus RX 350 insurance for high-risk drivers can be from 43% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,800 a year. View Rates by Age

Your home state has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Idaho, Maine, and Iowa, or at least $2,180 on average in Michigan, Louisiana, and New York.

Opting for high physical damage deductibles could cut rates by as much as $570 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied.

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

Finding cheaper rates on insurance for a Lexus RX 350 requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.

Below you'll find a brief review of the data that was touched on above.

• Drivers can save up to $180 per year simply by quoting online well ahead of the renewal date
• Insureds who may need more liability protection will pay around $560 each year to increase from a 30/60 limit to the 250/500 level
• Youthful drivers are charged the highest rates, costing up to $487 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,790 more every year than a low-risk driver