Lexus RX 350 Insurance Rates

Estimated auto insurance rates for a Lexus RX 350 are $1,576 annually for full coverage. Comprehensive insurance costs an estimated $304 a year, collision costs $592, and liability costs around $500. Liability-only insurance costs as low as $560 a year, with high-risk driver insurance costing $3,424 or more. Teenage drivers pay the most at $5,980 a year or more.

Average premium for full coverage: $1,576

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences show why it is important to compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $904
• Using higher $1,000 deductibles will save approximately $1,372 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,576
• Using low $100 deductibles for physical damage coverage costs an additional $396 every year
• Drivers who are prone to accidents and violations could pay up to $3,424 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $5,980 or more

Insurance prices for a Lexus RX 350 also have a wide range based on the model of your RX 350, your driver profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $5,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,900 to $2,600 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $600 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $450 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see prices as low as $1,040 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,250 on average in New York, Louisiana, and Michigan.

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, and prices will be substantially different between companies.

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 Buy the Right Lexus RX 350 Insurance

Finding better rates on car insurance requires being safe and accident-free, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the information presented in the illustrations above.

• Drivers can save approximately $190 per year simply by quoting early and online
• Youthful drivers are expensive to insure, as much as $498 per month if they have full coverage
• Increasing policy deductibles could save up to $600 each year
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,850 more annually than a low-risk driver
• Policyholders who want more liability protection will pay an extra $550 each year to increase from 30/60 bodily injury limits to higher 250/500 limits