Lexus RX 350 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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U.S. average insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive costs an estimated $292, collision costs $548, and liability coverage costs $510. Liability-only insurance costs as little as $568 a year, with high-risk driver insurance costing around $3,324. 16-year-old drivers pay the highest rates at $5,842 a year or more.
Average premium for full coverage: $1,530
Price estimates broken down by individual coverage:
Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all RX 350 models.
Price Range from Low to High
Using a middle-aged driver as an example, Lexus RX 350 insurance prices go from as low as $568 for just liability insurance to the much higher price of $3,324 for a policy for a high-risk driver.
Geographic Price Range
Your location has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates how where you live affects insurance prices.
The ranges above highlight why everyone should compare rates for a targeted area and risk profile, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Lexus RX 350 insurance rates for other coverage scenarios.
- The best full coverage rate is $882
- Drivers who choose higher $1,000 deductibles will pay approximately $190 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,530
- Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,902
- High-risk insureds with multiple tickets or accidents could pay up to $3,324 or more
- The price for full coverage for a teenage driver for full coverage can cost as much as $5,842 a year
Car insurance prices for a Lexus RX 350 are also quite variable based on your driving record, the model of your RX 350, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles may only pay around $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $5,800 a year. View Rates by Age
The state you live in makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,180 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,382 | -$148 | -9.7% |
| Alaska | $1,172 | -$358 | -23.4% |
| Arizona | $1,272 | -$258 | -16.9% |
| Arkansas | $1,530 | -$0 | 0.0% |
| California | $1,744 | $214 | 14.0% |
| Colorado | $1,458 | -$72 | -4.7% |
| Connecticut | $1,572 | $42 | 2.7% |
| Delaware | $1,730 | $200 | 13.1% |
| Florida | $1,914 | $384 | 25.1% |
| Georgia | $1,412 | -$118 | -7.7% |
| Hawaii | $1,098 | -$432 | -28.2% |
| Idaho | $1,038 | -$492 | -32.2% |
| Illinois | $1,140 | -$390 | -25.5% |
| Indiana | $1,154 | -$376 | -24.6% |
| Iowa | $1,032 | -$498 | -32.5% |
| Kansas | $1,454 | -$76 | -5.0% |
| Kentucky | $2,086 | $556 | 36.3% |
| Louisiana | $2,264 | $734 | 48.0% |
| Maine | $944 | -$586 | -38.3% |
| Maryland | $1,260 | -$270 | -17.6% |
| Massachusetts | $1,222 | -$308 | -20.1% |
| Michigan | $2,656 | $1,126 | 73.6% |
| Minnesota | $1,280 | -$250 | -16.3% |
| Mississippi | $1,834 | $304 | 19.9% |
| Missouri | $1,356 | -$174 | -11.4% |
| Montana | $1,644 | $114 | 7.5% |
| Nebraska | $1,206 | -$324 | -21.2% |
| Nevada | $1,836 | $306 | 20.0% |
| New Hampshire | $1,104 | -$426 | -27.8% |
| New Jersey | $1,712 | $182 | 11.9% |
| New Mexico | $1,354 | -$176 | -11.5% |
| New York | $1,612 | $82 | 5.4% |
| North Carolina | $882 | -$648 | -42.4% |
| North Dakota | $1,254 | -$276 | -18.0% |
| Ohio | $1,056 | -$474 | -31.0% |
| Oklahoma | $1,572 | $42 | 2.7% |
| Oregon | $1,402 | -$128 | -8.4% |
| Pennsylvania | $1,458 | -$72 | -4.7% |
| Rhode Island | $2,042 | $512 | 33.5% |
| South Carolina | $1,388 | -$142 | -9.3% |
| South Dakota | $1,292 | -$238 | -15.6% |
| Tennessee | $1,338 | -$192 | -12.5% |
| Texas | $1,844 | $314 | 20.5% |
| Utah | $1,132 | -$398 | -26.0% |
| Vermont | $1,048 | -$482 | -31.5% |
| Virginia | $916 | -$614 | -40.1% |
| Washington | $1,182 | -$348 | -22.7% |
| West Virginia | $1,404 | -$126 | -8.2% |
| Wisconsin | $1,058 | -$472 | -30.8% |
| Wyoming | $1,362 | -$168 | -11.0% |
Opting for high physical damage deductibles could save up to $570 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,800 to $2,500 extra each year, depending on your age. Lexus RX 350 insurance for high-risk drivers can cost around 43% to 131% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 350 2WD | $1,530 | $128 |
| Lexus RX 350 4WD | $1,530 | $128 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus RX 350 | $344 | $656 | $450 | $1,630 |
| 2023 Lexus RX 350 | $332 | $640 | $470 | $1,622 |
| 2022 Lexus RX 350 | $320 | $612 | $486 | $1,598 |
| 2021 Lexus RX 350 | $304 | $592 | $500 | $1,576 |
| 2020 Lexus RX 350 | $292 | $548 | $510 | $1,530 |
| 2019 Lexus RX 350 | $280 | $516 | $514 | $1,490 |
Rates are averaged for all Lexus RX 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Lexus RX 350 Insurance
Getting lower rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and not having any coverage lapses. Take the time to comparison shop every year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The list below is a recap of the coverage data touched on in the above illustrations.
- You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $550 each year
- Teenagers have the highest car insurance prices, possibly costing $487 a month if full coverage is included
- Drivers that have major violations or accidents may pay on average $1,790 more annually for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,842 |
| 20 | $3,548 |
| 30 | $1,586 |
| 40 | $1,530 |
| 50 | $1,402 |
| 60 | $1,376 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,902 |
| $250 | $1,728 |
| $500 | $1,530 |
| $1,000 | $1,340 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,530 |
| 50/100 | $1,632 |
| 100/300 | $1,760 |
| 250/500 | $2,091 |
| 100 CSL | $1,683 |
| 300 CSL | $1,964 |
| 500 CSL | $2,168 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,324 |
| 20 | $5,654 |
| 30 | $3,386 |
| 40 | $3,324 |
| 50 | $3,178 |
| 60 | $3,148 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $81 |
| Multi-vehicle | $82 |
| Homeowner | $24 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $99 |
| Paid in Full/EFT | $68 |
| Advance Quote | $75 |
| Online Quote | $108 |
| Total Discounts | $648 |
Discounts are estimated and may not be available from every company or in every state.
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