Lexus RX 350 Insurance Rates

The average insurance rates for a Lexus RX 350 are $1,576 a year for full coverage. Comprehensive insurance costs around $304 a year, collision insurance costs $592, and liability is $500. A liability-only policy costs around $560 a year, and high-risk insurance costs $3,424 or more. Teens cost the most to insure at up to $5,980 a year.

Average premium for full coverage: $1,576

Policy rates for type of insurance:

Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and RX 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance rates.

The examples above show why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $904
• Raising to $1,000 deductibles will save about $1,372 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,576
• Selecting low $100 deductibles will cost an extra $396 annually
• Drivers with serious driving violations could pay at least $3,424
• Policy cost for full coverage for a 16-year-old driver can be $5,980

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

Older drivers with no driving violations and high deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,900 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 $1,040 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,250 on average in Michigan, Louisiana, and New York.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 annually, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $450 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 could be paying at least $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 135% 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 the Right Lexus RX 350 Insurance

Finding cheaper rates on insurance for a Lexus RX 350 consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every other policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a quick rundown of the ideas that were presented in the illustrations above.

• Drivers age 20 and younger are the costliest to insure, costing up to $498 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,850 more every year to buy Lexus RX 350 insurance
• Increasing comprehensive and collision deductibles can save around $600 each year
• Drivers can save up to $190 per year just by quoting early and online