Lexus RX 350 Insurance Rates

U.S. average auto insurance rates for a Lexus RX 350 are $1,576 annually for full coverage. Comprehensive insurance costs around $304 a year, collision costs $592, and liability costs around $500. A policy with just liability insurance costs as low as $560 a year, with coverage for high-risk drivers costing $3,424 or more. Teenage drivers pay the highest rates at $5,980 a year or more.

Average premium for full coverage: $1,576

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and RX 350 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.

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

The ranges above show why it is important to compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

More Rate Information

The chart below shows estimated Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $904
• Using higher $1,000 deductibles will save about $1,372 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,576
• Using low $100 deductibles for physical damage coverage costs an additional $396 every year
• Drivers who are prone to accidents and violations could pay at least $3,424 or more
• The price with full coverage for a teen driver can be $5,980 or more

Insurance prices for a Lexus RX 350 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $600 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $450 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see prices as low as $1,040 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,250 on average in Michigan, Louisiana, and New York.

Since prices can be so different, the only way to know your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices may be quite 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 Cheap Lexus RX 350 Insurance

Getting lower rates on car insurance requires having a decent driving record, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief summary of the primary concepts that were raised in the charts and tables above.

• Drivers can save up to $190 per year simply by quoting early and online
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,850 more every year than a driver with a clean driving record
• Increasing physical damage deductibles could save up to $600 each year
• 16 to 18-year-old drivers pay higher prices, with premiums as much as $498 a month including comprehensive and collision insurance