Lexus RX 350 Insurance Rates

U.S. average insurance prices for a Lexus RX 350 are $1,530 every 12 months for full coverage insurance. Comprehensive costs around $292 a year, collision costs $548, and liability is $510. Buying just liability costs around $568 a year, with insurance for high-risk drivers costing around $3,324. 16-year-old drivers pay the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and RX 350 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities.

The diagram below illustrates how location impacts auto insurance rates.

The ranges above illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $882
• Raising to $1,000 deductibles will save about $1,340 each year
• The average price for the average middle-age driver using $500 deductibles is $1,530
• Buying low $100 deductibles increases the price to $1,902
• At-risk drivers with multiple tickets or accidents could pay at least $3,324 or more
• The price to insure a teen driver can be $5,842

Insurance prices for a Lexus RX 350 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles can reduce prices by up to $570 every year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $459 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,800 to $2,500 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,070 on average in Michigan, New York, and Florida.

Since prices can be so different, the only way to figure out your exact price is to get quotes and see which company has the best price. Every auto insurance company utilizes a different rate formula, and prices may be quite 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 Shop for Cheap Lexus RX 350 Insurance

Getting lower rates on car insurance consists of being a good driver, having above-average credit, not filing small claims, and taking advantage of discounts. Spend time shopping around at every other renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief summary of the concepts that were touched on above.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,790 more every year than a safer driver
• Drivers age 16 to 20 are charged the highest prices, as much as $487 a month if full coverage is included
• It is possible to save up to $180 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $550 each year
• It is possible to save up to $180 per year simply by quoting early and online