Lexus RX 350 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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Average auto insurance rates for a Lexus RX 350 are $1,530 annually with full coverage. Comprehensive costs around $292 a year, collision insurance costs $548, and liability costs $510. Buying just liability costs as little as $568 a year, and insurance for high-risk drivers costs around $3,324. 16-year-old drivers receive the highest rates at up to $5,842 a year.
Average premium for full coverage: $1,530
Rate estimates for individual coverage type:
Full coverage includes $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and RX 350 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $568 for your basic liability-only policy to a high of $3,324 for high-risk insurance.
Price Range by Location
Your location can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.
These examples demonstrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of 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 Information
The chart below details average Lexus RX 350 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $882
- Drivers who choose higher $1,000 deductibles will pay about $1,340 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,530
- Buying low $100 deductibles for comprehensive and collision insurance will cost $1,902
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,324
- The cost with full coverage for a teen driver can be $5,842 a year
Auto insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your driving record, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $5,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $570 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $459 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Lexus RX 350 insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or at least $2,070 on average in Florida, Michigan, and New York.
| 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% |
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 Buy More Affordable Lexus RX 350 Insurance
Saving money on car insurance not only requires having a good driving record, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every couple of years by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a summary of the material that was raised in the charts and tables above.
- Policyholders who may need increased levels of liability coverage will pay around $560 every year to go from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger are expensive to insure, with premiums as much as $487 per month if full coverage is included
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,790 more every year to buy Lexus RX 350 insurance
- Increasing deductibles could save up to $550 each year
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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