Lexus RX 350 Insurance Rates

Estimated auto insurance rates for a Lexus RX 350 are $1,530 annually with full coverage. Comprehensive insurance costs an estimated $292, collision costs $548, and liability costs around $510. A liability-only policy costs as low as $568 a year, with high-risk insurance costing $3,324 or more. Teenage drivers pay the most at $5,842 a year or more.

Average premium for full coverage: $1,530

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have fewer collision claims than densely populated cities.

The example below illustrates how geographic area affects insurance prices.

These rate differences demonstrate why everyone should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $882
• Using higher $1,000 deductibles will save approximately $190 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,530
• Using pricier low deductibles for physical damage coverage costs an additional $372 every year
• Drivers who are prone to accidents and violations could pay up to $3,324 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $5,842 or more

Auto insurance prices for a Lexus RX 350 also have a wide range based on the model of your RX 350, your driving record, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,800 to $2,500 in extra premium annually, depending on your age. Lexus RX 350 insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $570 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see prices as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,070 on average in New York, Michigan, and Florida.

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 Right Lexus RX 350 Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by getting rate quotes from direct companies, and also from several local insurance agents.

The points below are a quick rundown of the concepts that were presented in the illustrations above.

• Higher risk drivers with reckless driving or DUI convictions pay on average $1,790 more annually to insure a Lexus RX 350
• Drivers under the age of 20 are the costliest to insure, possibly costing $487 per month if full coverage is included
• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $550 each year
• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date