Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Rate estimates broken down by individual coverage type:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all RX 350 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities.

The example below illustrates how location helps determine insurance prices.

These examples illustrate why everyone should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below illustrates 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 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,530
• Using pricier low deductibles for physical damage coverage will cost $1,902
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,324 or more
• The cost with full coverage for a teenage driver for full coverage can cost as much as $5,842 or more

Car insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your risk profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,800 to $2,500 extra per year, depending on your age. Lexus RX 350 insurance for high-risk drivers can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $570 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live 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 be forced to pay as much as $2,070 on average in Florida, New York, and Michigan.

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly 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 Low Cost Lexus RX 350 Insurance

Saving money on auto insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a review of the data covered in the charts and tables above.

• Consumers who want increased levels of liability coverage will pay an extra $560 annually to increase from a minimum limit to higher 250/500 limits
• It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $550 each year
• Drivers age 20 and younger have the highest car insurance rates, costing up to $487 per month if comprehensive and collision insurance is included