Lexus RX 350 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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Estimated insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive costs approximately $292 each year, collision insurance costs $548, and liability coverage is estimated at $510. A liability-only policy costs approximately $568 a year, and high-risk insurance costs around $3,324. 16-year-old drivers pay the most at up to $5,842 a year.
Average premium for full coverage: $1,530
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and RX 350 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lexus RX 350 range from as low as $568 for a discount liability-only rate to a high rate of $3,324 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.
These rate differences demonstrate why all drivers should get quotes using their specific location 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.
Rates by State, City, and Model
The chart below details average Lexus RX 350 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $882
- Choosing higher $1,000 deductibles can save $190 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,530
- Buying low deductibles for comp and collision coverage will increase the cost to $1,902
- Drivers with multiple tickets or accidents could pay around $3,324
- An auto insurance policy for full coverage for a teenage driver can cost $5,842 each 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.
More mature drivers with a good driving record and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Lexus RX 350 insurance rates. A good driver about age 40 could pay as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or at least $2,070 on average in New York, Michigan, and Florida.
| 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 can save as much as $570 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $459 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 $1,800 to $2,500 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 131% more than the average rate. View High Risk Driver Rates
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 Best Cheap Lexus RX 350 Insurance
Finding better rates on auto insurance takes avoiding accidents and claims, having good credit, being claim-free, and possibly higher deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a quick review of the ideas that were covered in the charts and tables above.
- Drivers under the age of 20 have the highest car insurance prices, possibly costing $487 per month if they have full coverage
- Drivers with a DUI or reckless driving violation pay on average $1,790 more per year to insure a Lexus RX 350
- Increasing policy deductibles can save around $550 each year
- You may be able to save around $180 per year just by quoting online in advance
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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