Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,576 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $304, collision costs $592, and liability coverage costs $500. Liability-only insurance costs as little as $560 a year, with high-risk driver insurance costing $3,424 or more. 16-year-old drivers cost the most to insure at $5,980 a year or more.

Average premium for full coverage: $1,576

Policy rates broken down by type of insurance:

Prices include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities.

The example below illustrates how where you live affects insurance prices.

The examples above illustrate why everyone should compare rates for a targeted area and their own driving history, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $904
• Drivers who choose higher $1,000 deductibles will pay approximately $204 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,576
• Buying pricier low deductibles for comprehensive and collision insurance costs an extra $396 each year
• High-risk insureds with multiple tickets or accidents could pay up to $3,424 or more
• Policy cost to insure a teenage driver for full coverage can cost as much as $5,980 a year

Auto insurance rates for a Lexus RX 350 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles could save up to $600 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $5,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,900 to $2,600 in extra premium every year, depending on your age. Lexus RX 350 insurance for high-risk drivers can cost around 43% to 135% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,120 on average in Florida, New York, and Michigan.

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, and quoted rates will be varied.

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 the Right Lexus RX 350 Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop every couple of years by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a quick rundown of the material that was touched on in the above illustrations.

• Consumers who want increased levels of liability coverage will pay around $550 annually to go from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are the costliest to insure, possibly costing $498 each month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,850 more annually to buy Lexus RX 350 insurance
• Increasing comprehensive and collision deductibles could save as much as $600 each year