Lexus RX 350 Insurance Rates

U.S. average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive insurance costs an estimated $292 each year, collision costs $548, and liability insurance is estimated at $510. Liability-only insurance costs approximately $568 a year, with high-risk driver insurance costing $3,324 or more. Teenage 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:

Estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and RX 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

The ranges above demonstrate why all drivers should get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $882
• Choosing higher $1,000 deductibles can save approximately $190 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,530
• Using low deductibles for comp and collision coverage will cost an extra $372 a year
• High-risk insureds who are prone to accidents and violations could pay up to $3,324 or more
• The price for full coverage for a teen driver can cost as much as $5,842 each year

Car insurance prices for a Lexus RX 350 are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles could pay as little as $1,400 annually on average for full coverage. Prices are much higher 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 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 be forced to pay as much as $2,070 on average in New York, Michigan, and Florida.

Using high physical damage deductibles can save as much as $570 each year, whereas increasing liability limits will increase premiums. Moving 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 may be forking out $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

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 Find Low Cost Lexus RX 350 Insurance

Getting lower rates on Lexus RX 350 insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates at every policy renewal by requesting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a review of the data presented in the illustrations above.

• Drivers who want higher liability limits will pay an extra $560 every year to raise limits from a low limit to 250/500 limits
• You may be able to save approximately $180 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $550 each year
• Teens have the highest car insurance prices, costing up to $487 a month if full coverage is included