Lexus RX 350 Insurance Rates

The average auto insurance rates for a Lexus RX 350 are $1,530 annually for full coverage. Comprehensive costs on average $292, collision insurance costs $548, and liability insurance costs $510. Liability-only coverage costs as little as $568 a year, and high-risk coverage costs around $3,324. Teenage drivers cost the most to insure at up to $5,842 a year.

Average premium for full coverage: $1,530

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different RX 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

The chart below shows average Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The best discount rate is $882
• Drivers who choose higher $1,000 deductibles will pay around $190 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,530
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,902
• High risk drivers who are prone to accidents and violations could pay upwards of $3,324
• Policy cost with full coverage for a teen driver with full coverage may cost $5,842 a year

Insurance rates for a Lexus RX 350 also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,800 to $2,500 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $570 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,180 on average in Michigan, Louisiana, and New York.

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 Cheap Lexus RX 350 Insurance

Finding cheaper rates on Lexus RX 350 insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a brief summary of the information touched on above.

• Drivers can save as much as $180 per year just by shopping early and online
• Teenagers pay higher rates, costing up to $487 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $550 each year
• High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,790 more each year for car insurance
• Drivers who require higher liability limits will pay an extra $560 each year to go from a 30/60 limit to higher 250/500 limits