Lexus RX 350 Insurance Rates

U.S. average insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive insurance costs an estimated $292, collision costs $548, and liability costs $510. Liability-only insurance costs as little as $568 a year, with high-risk driver insurance costing $3,324 or more. Teenage drivers pay the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different RX 350 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $882
• Drivers who choose higher $1,000 deductibles will pay approximately $190 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,530
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $372 annually
• Drivers who are prone to accidents and violations could pay up to $3,324 or more
• The price for full coverage for a 16-year-old driver with full coverage can cost as much as $5,842 a year

Car insurance prices for a Lexus RX 350 are also quite variable based on your driving record, the model of your RX 350, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as low as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $5,800 a year. View Rates by Age

The state you live in makes a big difference in Lexus RX 350 insurance prices. A 40-year-old driver could pay as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,180 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles could save up to $570 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,800 to $2,500 extra each year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from multiple companies. Every company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

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 the Best Lexus RX 350 Insurance

Getting lower rates on insurance for a Lexus RX 350 not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and not having any coverage lapses. Invest time comparing rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a brief recap of the information covered in the charts and tables above.

• You may be able to save approximately $180 per year simply by shopping early and online
• Teenagers have the highest car insurance prices, possibly costing $487 a month if full coverage is included
• Increasing physical damage deductibles can save around $550 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,790 more annually for car insurance
• Insureds who want higher liability limits will pay an extra $560 per year to go from a low limit to 250/500 limits