Lexus RX 350 Insurance Rates

U.S. average insurance prices for a Lexus RX 350 are $1,530 every 12 months including full coverage. Comprehensive insurance costs around $292, collision costs $548, and liability is $510. Liability-only coverage costs around $568 a year, with high-risk coverage costing $3,324 or more. 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:

Estimates include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all RX 350 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why everyone should 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.

Rates by State, City, and Model

The chart below breaks down 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 $190 every year
• The average price for the average middle-age driver using $500 deductibles is $1,530
• Buying pricier low deductibles costs an extra $372 every year
• At-risk drivers with multiple tickets or accidents could pay at least $3,324 or more
• The price to insure a teen driver for full coverage can be $5,842

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

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

A more mature driver with a good driving record 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 will have 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 likely paying at least $1,800 to $2,500 in extra premium each year, depending on your age. Lexus RX 350 insurance for high-risk drivers 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 $1,170 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,180 on average in Michigan, New York, and Louisiana.

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted 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 Low Cost Lexus RX 350 Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to shop around at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a review of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $180 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,790 more every year for RX 350 insurance
• Increasing physical damage deductibles could save as much as $550 each year
• Teens are expensive to insure, possibly costing $487 a month if comprehensive and collision insurance is included