Lexus RX 350 Insurance Rates

U.S. average auto insurance rates for a Lexus RX 350 are $1,530 annually for full coverage. Comprehensive insurance costs on average $292 each year, collision costs $548, and liability costs around $510. Liability-only coverage costs as low as $568 a year, with high-risk coverage costing $3,324 or more. Teens pay the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and RX 350 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects car insurance rates.

The ranges above show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $882
• Using higher $1,000 deductibles will save around $190 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,530
• Selecting low deductibles for physical damage coverage costs an additional $372 annually
• High-risk insureds with serious driving violations could pay upwards of $3,324 or more
• The price with full coverage for a 16-year-old driver may cost $5,842 or more

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,800 to $2,500 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $459 extra every year. View Rates by Deductible or Liability Limit

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

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company calculates prices differently, and quoted prices may be quite different between companies.

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 the Best Cheap Lexus RX 350 Insurance

Getting lower rates on insurance for a Lexus RX 350 requires being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at least every other year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below you'll find a quick review of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,790 more each year than a low-risk driver
• Drivers can save as much as $180 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $550 each year
• Insureds who require more liability protection will pay approximately $560 each year to increase from a low limit to higher 250/500 limits