Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,576 a year with full coverage. Comprehensive insurance costs approximately $304, collision costs $592, and liability coverage costs $500. A liability-only policy costs as little as $560 a year, with high-risk insurance costing $3,424 or more. Teenage drivers pay the most at $5,980 a year or more.

Average premium for full coverage: $1,576

Premium estimates by type of coverage:

Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using average rates.

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

Additional Rate Analysis

The chart below details estimated Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $904
• Drivers who choose higher $1,000 deductibles will pay $204 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,576
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $396 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,424 or more
• An auto insurance policy for full coverage for a teenage driver with full coverage can cost $5,980 a year

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

An older driver with a good driving record and high deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,900 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,120 on average in New York, Michigan, and Florida.

Using high physical damage deductibles could save up to $600 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,600 in extra premium annually, depending on your age. High-risk driver insurance can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Every company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 Affordable Lexus RX 350 Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having good credit, being claim-free, and not having any coverage lapses. Spend time shopping around at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a brief review of the data touched on above.

• Consumers who purchase higher levels of liability will pay an extra $550 every year to go from 30/60 bodily injury limits to 250/500 limits
• You may be able to save around $190 per year simply by shopping early and online
• Increasing policy deductibles can save around $600 each year
• Teenage drivers have the highest car insurance prices, possibly costing $498 per month if they have full coverage