Lexus RX 350 Insurance Rates

The average auto insurance rates for a Lexus RX 350 are $1,530 annually for full coverage insurance. Comprehensive insurance costs approximately $292 a year, collision costs $548, and liability insurance costs around $510. Liability-only insurance costs as low as $568 a year, with high-risk driver insurance costing $3,324 or more. Teens cost the most to insure at $5,842 a year or more.

Average premium for full coverage: $1,530

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and RX 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $882
• Using higher $1,000 deductibles will save $1,340 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,530
• Selecting low $100 deductibles for physical damage coverage costs an additional $372 a year
• Drivers with serious driving violations could pay around $3,324 or more
• Policy cost with full coverage for a teen driver can cost $5,842 or more

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

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $570 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $459 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,070 on average in Florida, New York, and Michigan.

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Each insurance company calculates rates differently, and quoted rates will be varied 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 Lexus RX 350 Insurance

Finding cheaper rates on Lexus RX 350 insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and not having any coverage lapses. Set aside time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief recap of the concepts that were covered above.

• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,790 more per year to insure a Lexus RX 350
• Drivers under the age of 20 have the highest car insurance rates, possibly costing $487 each month if full coverage is included
• It is possible to save around $180 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $550 each year
• It is possible to save around $180 per year simply by quoting early and online