Lexus RX 350 Insurance Rates

The average insurance rates for a Lexus RX 350 are $1,530 a year for full coverage insurance. Comprehensive insurance costs approximately $292, collision insurance costs $548, and liability coverage is $510. Liability-only coverage costs around $568 a year, and high-risk coverage costs $3,324 or more. Teens cost the most to insure at up to $5,842 a year.

Average premium for full coverage: $1,530

Policy rates by type of insurance:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance prices.

The examples above illustrate why everyone should compare rates quotes using their specific location, rather than using averaged prices.

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

Rate Comparisons

The chart below illustrates average Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $882
• Raising to $1,000 deductibles will save $190 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,530
• Selecting pricier low deductibles will cost an additional $372 each year
• Unlucky drivers with serious driving violations could pay around $3,324
• Policy cost that insures a teenage driver for full coverage can cost $5,842

Insurance rates for a Lexus RX 350 also range considerably based on the model of your RX 350, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 additional every year, depending on your age. Lexus RX 350 insurance for high-risk drivers is expensive and can cost around 43% to 131% more than the average 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 $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

Your home state also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,070 on average in Florida, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $459 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 Cheap Lexus RX 350 Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having a good credit score, being claim-free, and consideration of higher deductibles. Compare rates every other policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a brief summary of the ideas that were touched on in the above illustrations.

• Youthful drivers are the costliest to insure, possibly costing $487 each month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations could be charged and average of $1,790 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• It is possible to save around $180 per year just by quoting online well ahead of the renewal date