Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,530 every 12 months including full coverage. Comprehensive costs an estimated $292 a year, collision costs $548, and liability coverage costs around $510. Liability-only insurance costs as low as $568 a year, with high-risk driver insurance 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 broken down by type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and RX 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how where you live affects insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and their own driving history, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $882
• Using higher $1,000 deductibles will save approximately $1,340 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,530
• Buying low $100 deductibles for physical damage coverage increases the price to $1,902
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,324 or more
• Policy cost to insure a teenage driver can cost as much as $5,842 or more

Auto insurance rates for a Lexus RX 350 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles could cut rates by as much as $570 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,800 to $2,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see rates as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,180 on average in Louisiana, New York, and Michigan.

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and quoted 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 Shop for the Cheapest Lexus RX 350 Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop every couple of years by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a recap of the material that was touched on in the above illustrations.

• Consumers who want more liability protection will pay around $560 per year to increase from a 30/60 limit to a 250/500 level
• Youthful drivers are the costliest to insure, with premiums being up to $487 each month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents may have to pay on average $1,790 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $550 each year