Lexus RX 350 Insurance Rates

Estimated auto insurance rates for a Lexus RX 350 are $1,530 annually for full coverage. Comprehensive insurance costs on average $292 each year, collision costs $548, and liability costs $510. A liability-only policy costs as little as $568 a year, with high-risk insurance costing $3,324 or more. Teens pay the most at $5,842 a year or more.

Average premium for full coverage: $1,530

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on car insurance rates.

These rate differences show why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

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

More Rate Details

The chart below shows estimated Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $882
• Drivers who choose higher $1,000 deductibles will pay around $190 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,530
• Selecting low deductibles for comprehensive and collision insurance costs an additional $372 every year
• Higher-risk drivers with serious driving violations could pay upwards of $3,324 or more
• An auto insurance policy with full coverage for a teen driver may cost $5,842 a year

Auto insurance prices for a Lexus RX 350 also have a wide range based on the model of your RX 350, your driver profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,800 to $2,500 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $570 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lexus RX 350 insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,180 on average in Michigan, Louisiana, and New York.

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Every company calculates prices differently, and quoted prices will be substantially 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 Affordable Lexus RX 350 Insurance

Finding better rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and taking advantage of discounts. Make time to compare rates at least every other year by requesting rates from direct carriers, and also from local insurance agents.

The points below are a brief review of the car insurance concepts touched on in this article.

• Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,790 more each year to insure a Lexus RX 350
• Drivers can save as much as $180 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $550 each year
• Policyholders who require increased liability limits will pay approximately $560 each year to go from 30/60 bodily injury limits to higher 250/500 limits