Lexus RX 350 Insurance Rates

Estimated insurance prices for a Lexus RX 350 are $1,530 every 12 months including full coverage. Comprehensive costs an estimated $292, collision costs $548, and liability is estimated at $510. A liability-only policy costs approximately $568 a year, with high-risk insurance costing around $3,324. 16-year-old 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:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates how your location can change insurance prices.

These rate differences highlight why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of using rate averages.

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

More Rate Details

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

• The best full coverage rate is $882
• Choosing higher $1,000 deductibles can save approximately $190 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,530
• Buying more expensive low deductibles for comp and collision coverage increases the price to $1,902
• Unlucky drivers with multiple tickets or accidents could pay up to $3,324 or more
• An auto insurance policy to insure a teen driver with full coverage can cost as much as $5,842 each year

Auto insurance prices for a Lexus RX 350 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $570 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus RX 350 insurance prices. A good driver about age 40 could pay as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,180 on average in Louisiana, New York, and Michigan.

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different.

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 Shop for Low Cost Lexus RX 350 Insurance

Finding better rates on car insurance takes having a decent driving record, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to shop around every other policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a review of the ideas that were illustrated above.

• 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $487 per month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,790 more annually than a driver with a clean driving record
• Increasing policy deductibles could save as much as $550 each year
• You may be able to save approximately $180 per year simply by shopping early and online