Lexus RX 350 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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Average insurance rates for a Lexus RX 350 are $1,576 a year for full coverage. Comprehensive costs approximately $304 each year, collision insurance costs $592, and liability insurance is $500. Liability-only coverage costs around $560 a year, and high-risk coverage costs around $3,424. Teenage drivers receive the highest rates at up to $5,980 a year.
Average premium for full coverage: $1,576
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and RX 350 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $560 for the bare minimum liability coverage to a high rate of $3,424 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.
These examples show why all drivers should compare rates quotes using their specific location, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below shows average Lexus RX 350 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $904
- Raising to $1,000 deductibles will save $204 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,576
- Using low deductibles bumps up the cost to $1,972
- Higher-risk drivers who are prone to accidents and violations could pay around $3,424
- The cost that insures a teen driver can cost $5,980
Car insurance rates for a Lexus RX 350 can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,900 a year. View Rates by Age
Where you live also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,250 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,422 | -$154 | -9.8% |
| Alaska | $1,208 | -$368 | -23.4% |
| Arizona | $1,306 | -$270 | -17.1% |
| Arkansas | $1,576 | -$0 | 0.0% |
| California | $1,794 | $218 | 13.8% |
| Colorado | $1,502 | -$74 | -4.7% |
| Connecticut | $1,618 | $42 | 2.7% |
| Delaware | $1,784 | $208 | 13.2% |
| Florida | $1,970 | $394 | 25.0% |
| Georgia | $1,454 | -$122 | -7.7% |
| Hawaii | $1,128 | -$448 | -28.4% |
| Idaho | $1,066 | -$510 | -32.4% |
| Illinois | $1,170 | -$406 | -25.8% |
| Indiana | $1,186 | -$390 | -24.7% |
| Iowa | $1,062 | -$514 | -32.6% |
| Kansas | $1,494 | -$82 | -5.2% |
| Kentucky | $2,146 | $570 | 36.2% |
| Louisiana | $2,332 | $756 | 48.0% |
| Maine | $972 | -$604 | -38.3% |
| Maryland | $1,298 | -$278 | -17.6% |
| Massachusetts | $1,256 | -$320 | -20.3% |
| Michigan | $2,732 | $1,156 | 73.4% |
| Minnesota | $1,318 | -$258 | -16.4% |
| Mississippi | $1,886 | $310 | 19.7% |
| Missouri | $1,398 | -$178 | -11.3% |
| Montana | $1,692 | $116 | 7.4% |
| Nebraska | $1,242 | -$334 | -21.2% |
| Nevada | $1,890 | $314 | 19.9% |
| New Hampshire | $1,134 | -$442 | -28.0% |
| New Jersey | $1,760 | $184 | 11.7% |
| New Mexico | $1,392 | -$184 | -11.7% |
| New York | $1,658 | $82 | 5.2% |
| North Carolina | $906 | -$670 | -42.5% |
| North Dakota | $1,290 | -$286 | -18.1% |
| Ohio | $1,086 | -$490 | -31.1% |
| Oklahoma | $1,614 | $38 | 2.4% |
| Oregon | $1,442 | -$134 | -8.5% |
| Pennsylvania | $1,500 | -$76 | -4.8% |
| Rhode Island | $2,098 | $522 | 33.1% |
| South Carolina | $1,426 | -$150 | -9.5% |
| South Dakota | $1,330 | -$246 | -15.6% |
| Tennessee | $1,378 | -$198 | -12.6% |
| Texas | $1,896 | $320 | 20.3% |
| Utah | $1,164 | -$412 | -26.1% |
| Vermont | $1,078 | -$498 | -31.6% |
| Virginia | $942 | -$634 | -40.2% |
| Washington | $1,214 | -$362 | -23.0% |
| West Virginia | $1,442 | -$134 | -8.5% |
| Wisconsin | $1,090 | -$486 | -30.8% |
| Wyoming | $1,402 | -$174 | -11.0% |
Using high physical damage deductibles can reduce rates by up to $600 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $450 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 350 2WD | $1,576 | $131 |
| Lexus RX 350 4WD | $1,576 | $131 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus RX 350 | $358 | $660 | $440 | $1,638 |
| 2023 Lexus RX 350 | $344 | $656 | $450 | $1,630 |
| 2022 Lexus RX 350 | $332 | $640 | $470 | $1,622 |
| 2021 Lexus RX 350 | $320 | $612 | $486 | $1,598 |
| 2020 Lexus RX 350 | $304 | $592 | $500 | $1,576 |
| 2019 Lexus RX 350 | $292 | $548 | $510 | $1,530 |
Rates are averaged for all Lexus RX 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Lexus RX 350 Insurance
Saving money on Lexus RX 350 insurance consists of being safe and accident-free, having a positive credit history, eliminating unneeded coverage, and attention to physical damage deductibles. Compare prices every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a quick review of the material that was covered in the charts and tables above.
- Drivers who purchase more liability protection will pay an extra $550 each year to raise from a minimum limit to the 250/500 level
- Youthful drivers pay the highest auto insurance rates, costing as high as $498 per month if full coverage is purchased
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,850 more per year than a low-risk driver
- Increasing deductibles can save approximately $600 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,980 |
| 20 | $3,658 |
| 30 | $1,638 |
| 40 | $1,576 |
| 50 | $1,440 |
| 60 | $1,412 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,972 |
| $250 | $1,788 |
| $500 | $1,576 |
| $1,000 | $1,372 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,576 |
| 50/100 | $1,676 |
| 100/300 | $1,801 |
| 250/500 | $2,126 |
| 100 CSL | $1,726 |
| 300 CSL | $2,001 |
| 500 CSL | $2,201 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,530 |
| 20 | $5,830 |
| 30 | $3,494 |
| 40 | $3,424 |
| 50 | $3,270 |
| 60 | $3,244 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $84 |
| Multi-vehicle | $84 |
| Homeowner | $24 |
| 5-yr Accident Free | $116 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $71 |
| Advance Quote | $78 |
| Online Quote | $112 |
| Total Discounts | $672 |
Discounts are estimated and may not be available from every company or in every state.
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