Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,576 every 12 months including full coverage. Comprehensive costs around $304 each year, collision costs $592, and liability is estimated at $500. A liability-only policy costs approximately $560 a year, with high-risk insurance costing around $3,424. 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 for type of insurance:

Rates are based on $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above highlight why all drivers should get quotes for a specific zip code and their own driving history, instead of using rate averages.

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

Additional Rate Details

The chart below breaks down estimated Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $904
• Choosing higher $1,000 deductibles can save about $204 every year
• The average price for a good driver age 40 using $500 deductibles is $1,576
• Buying low deductibles for comp and collision coverage increases the price to $1,972
• Unlucky drivers with multiple tickets or accidents could pay at least $3,424 or more
• Policy cost to insure a teen driver can be $5,980 each year

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

Opting for high physical damage deductibles can save as much as $600 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $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 likely paying at least $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 135% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lexus RX 350 insurance prices. A good driver about age 40 could pay as low as $1,210 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,250 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes 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 Best Cheap Lexus RX 350 Insurance

Finding cheaper rates on car insurance takes having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a quick review of the material that was covered in the charts and tables above.

• Policyholders who may need increased levels of liability coverage will pay around $550 per year to raise limits from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $498 each month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,850 more every year to buy Lexus RX 350 insurance
• Increasing comprehensive and collision deductibles could save as much as $600 each year