Lexus RX 350 Insurance Rates

The average insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive insurance costs an estimated $292 a year, collision insurance costs $548, and liability is $510. A liability-only policy costs around $568 a year, and high-risk insurance costs $3,324 or more. Teens cost the most to insure at up to $5,842 a year.

Average premium for full coverage: $1,530

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and RX 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Lexus RX 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $882
• Raising to $1,000 deductibles will save approximately $1,340 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,530
• Selecting low $100 deductibles will cost an extra $372 every year
• At-risk drivers with serious driving violations could pay up to $3,324
• Policy cost for full coverage for a teen driver can cost as much as $5,842

Car insurance rates for a Lexus RX 350 also range considerably based on your risk profile, the model of your RX 350, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,800 a year. View Rates by Age

Your home state also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find rates as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,180 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 131% more than the average policy. View High Risk Driver Rates

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 Find Affordable Lexus RX 350 Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to shop around at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief review of the car insurance concepts illustrated above.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,790 more annually than a driver with a clean driving record
• You may be able to save approximately $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $550 each year
• Policyholders who want additional liability coverage will pay approximately $560 per year to raise from a 30/60 limit to 250/500 limits