Lexus RX 350 Insurance Rates
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UPDATED: Apr 28, 2024
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Average insurance rates for a Lexus RX 350 are $1,576 a year for full coverage. Comprehensive costs around $304, collision insurance costs $592, and liability costs around $500. Buying just liability costs as low as $560 a year, and insurance for high-risk drivers costs around $3,424. 16-year-old drivers receive the highest rates at up to $5,980 a year.
Average premium for full coverage: $1,576
Rate estimates for individual coverage type:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all RX 350 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $560 for a discount liability-only rate to the much higher price of $3,424 for a high-risk driver policy.
Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than congested cities. The example below illustrates how rural and urban location affects auto insurance rates.
These examples show why everyone should compare prices for a specific zip code, instead of making a decision based on 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 shows average Lexus RX 350 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $904
- Using higher $1,000 deductibles will save about $204 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,576
- Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,972
- High-risk insureds with multiple tickets or accidents could pay at least $3,424
- The cost that insures a 16-year-old driver for full coverage can be $5,980 or more
Auto insurance rates for a Lexus RX 350 can also vary considerably based on the model of your RX 350, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,900 to $2,600 in extra premium per year, depending on your age. Lexus RX 350 insurance for high-risk drivers can be from 43% to 135% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $5,900 a year. View Rates by Age
Where you live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like Idaho, Maine, and Iowa, or at least $2,250 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,422 | -$154 | -9.8% |
| Alaska | $1,208 | -$368 | -23.4% |
| Arizona | $1,306 | -$270 | -17.1% |
| Arkansas | $1,576 | -$0 | 0.0% |
| California | $1,794 | $218 | 13.8% |
| Colorado | $1,502 | -$74 | -4.7% |
| Connecticut | $1,618 | $42 | 2.7% |
| Delaware | $1,784 | $208 | 13.2% |
| Florida | $1,970 | $394 | 25.0% |
| Georgia | $1,454 | -$122 | -7.7% |
| Hawaii | $1,128 | -$448 | -28.4% |
| Idaho | $1,066 | -$510 | -32.4% |
| Illinois | $1,170 | -$406 | -25.8% |
| Indiana | $1,186 | -$390 | -24.7% |
| Iowa | $1,062 | -$514 | -32.6% |
| Kansas | $1,494 | -$82 | -5.2% |
| Kentucky | $2,146 | $570 | 36.2% |
| Louisiana | $2,332 | $756 | 48.0% |
| Maine | $972 | -$604 | -38.3% |
| Maryland | $1,298 | -$278 | -17.6% |
| Massachusetts | $1,256 | -$320 | -20.3% |
| Michigan | $2,732 | $1,156 | 73.4% |
| Minnesota | $1,318 | -$258 | -16.4% |
| Mississippi | $1,886 | $310 | 19.7% |
| Missouri | $1,398 | -$178 | -11.3% |
| Montana | $1,692 | $116 | 7.4% |
| Nebraska | $1,242 | -$334 | -21.2% |
| Nevada | $1,890 | $314 | 19.9% |
| New Hampshire | $1,134 | -$442 | -28.0% |
| New Jersey | $1,760 | $184 | 11.7% |
| New Mexico | $1,392 | -$184 | -11.7% |
| New York | $1,658 | $82 | 5.2% |
| North Carolina | $906 | -$670 | -42.5% |
| North Dakota | $1,290 | -$286 | -18.1% |
| Ohio | $1,086 | -$490 | -31.1% |
| Oklahoma | $1,614 | $38 | 2.4% |
| Oregon | $1,442 | -$134 | -8.5% |
| Pennsylvania | $1,500 | -$76 | -4.8% |
| Rhode Island | $2,098 | $522 | 33.1% |
| South Carolina | $1,426 | -$150 | -9.5% |
| South Dakota | $1,330 | -$246 | -15.6% |
| Tennessee | $1,378 | -$198 | -12.6% |
| Texas | $1,896 | $320 | 20.3% |
| Utah | $1,164 | -$412 | -26.1% |
| Vermont | $1,078 | -$498 | -31.6% |
| Virginia | $942 | -$634 | -40.2% |
| Washington | $1,214 | -$362 | -23.0% |
| West Virginia | $1,442 | -$134 | -8.5% |
| Wisconsin | $1,090 | -$486 | -30.8% |
| Wyoming | $1,402 | -$174 | -11.0% |
Opting for high physical damage deductibles could cut rates by as much as $600 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $450 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 350 2WD | $1,576 | $131 |
| Lexus RX 350 4WD | $1,576 | $131 |
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 | $358 | $660 | $440 | $1,638 |
| 2023 Lexus RX 350 | $344 | $656 | $450 | $1,630 |
| 2022 Lexus RX 350 | $332 | $640 | $470 | $1,622 |
| 2021 Lexus RX 350 | $320 | $612 | $486 | $1,598 |
| 2020 Lexus RX 350 | $304 | $592 | $500 | $1,576 |
| 2019 Lexus RX 350 | $292 | $548 | $510 | $1,530 |
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 Low Cost Lexus RX 350 Insurance
Saving money on insurance for a Lexus RX 350 requires avoiding accidents and claims, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Comparison shop every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a review of the information raised in the charts and tables above.
- Drivers can save up to $190 per year just by quoting online well ahead of the renewal date
- Drivers under the age of 20 are expensive to insure, costing as high as $498 per month if the policy includes full coverage
- Increasing deductibles can save approximately $600 each year
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,850 more every year to insure a Lexus RX 350
- Insureds who may need increased liability limits will pay around $550 each year to increase from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,980 |
| 20 | $3,658 |
| 30 | $1,638 |
| 40 | $1,576 |
| 50 | $1,440 |
| 60 | $1,412 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,972 |
| $250 | $1,788 |
| $500 | $1,576 |
| $1,000 | $1,372 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,576 |
| 50/100 | $1,676 |
| 100/300 | $1,801 |
| 250/500 | $2,126 |
| 100 CSL | $1,726 |
| 300 CSL | $2,001 |
| 500 CSL | $2,201 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,530 |
| 20 | $5,830 |
| 30 | $3,494 |
| 40 | $3,424 |
| 50 | $3,270 |
| 60 | $3,244 |
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 | $84 |
| Multi-vehicle | $84 |
| Homeowner | $24 |
| 5-yr Accident Free | $116 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $71 |
| Advance Quote | $78 |
| Online Quote | $112 |
| Total Discounts | $672 |
Discounts are estimated and may not be available from every company or in every state.
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