Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,576

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and RX 350 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

The ranges above illustrate why it is important to compare prices using their specific location and risk profile, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $904
• Using higher $1,000 deductibles will save $1,372 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,576
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,972
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,424
• The price for full coverage for a teenage driver can cost $5,980 or more

Insurance prices for a Lexus RX 350 are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,900 a year. View Rates by Age

The state you live in has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,120 on average in Florida, New York, and Michigan.

Choosing high deductibles could cut prices by as much as $600 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $450 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 135% more than average. 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 Cheap Lexus RX 350 Insurance

Getting lower rates on auto insurance requires being a good driver, maintaining good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a brief summary of the data touched on above.

• Consumers who purchase an increased level of liability coverage will pay about $550 annually to increase from a low limit to 250/500 limits
• It is possible to save around $190 per year just by quoting early and online
• Increasing physical damage deductibles can save around $600 each year
• Drivers age 16 to 20 are expensive to insure, as much as $498 a month for full coverage