Lexus RX 350 Insurance Rates

U.S. average insurance rates for a Lexus RX 350 are $1,576 a year including full coverage. Comprehensive costs an estimated $304, collision insurance costs $592, and liability coverage costs $500. Buying just liability costs as little as $560 a year, and insurance for high-risk drivers costs around $3,424. Teenage drivers pay the highest rates at up to $5,980 a year.

Average premium for full coverage: $1,576

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all RX 350 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above highlight why everyone should compare rates for a targeted area, rather than using average rates.

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

Additional Rate Information

The chart below breaks down average Lexus RX 350 insurance rates for other coverage scenarios.

• The best discount rate is $904
• Drivers who choose higher $1,000 deductibles will pay approximately $204 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,576
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,972
• High-risk insureds who are prone to accidents and violations could pay up to $3,424
• The price that insures a teenage driver for full coverage can cost as much as $5,980 a year

Insurance prices for a Lexus RX 350 are also quite variable based on the model of your RX 350, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,900 to $2,600 additional each year, depending on your age. Lexus RX 350 insurance for high-risk drivers can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,900 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 $1,210 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,250 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles could save up to $600 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $450 more each year. View Rates by Deductible or Liability Limit

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 the Cheapest Lexus RX 350 Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, being claim-free, and possibly raising deductibles. Compare prices once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a recap of the data that was covered above.

• You may be able to save approximately $190 per year just by quoting online well ahead of the renewal date
• Consumers who want higher liability limits will pay an extra $550 per year to go from a low limit to the 250/500 level
• Teenagers are expensive to insure, possibly costing $498 a month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be charged and average of $1,850 more annually for car insurance