Lexus RX 350 Insurance Rates

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UPDATED: Apr 28, 2024

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Estimated insurance prices for a Lexus RX 350 are $1,530 every 12 months including full coverage. Comprehensive costs an estimated $292, collision costs $548, and liability is estimated at $510. A liability-only policy costs approximately $568 a year, with high-risk insurance costing around $3,324. 16-year-old drivers pay the most at $5,842 a year or more.

Average premium for full coverage: $1,530

Premium estimates broken down by type of coverage:

Comprehensive $292
Collision $548
Liability $510

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different RX 350 trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Lexus RX 350 go from the cheapest price of $568 for just liability insurance to a much higher rate of $3,324 for a driver who has had serious violations or accidents.

Liability Only $568
Full Coverage $1,530
High Risk $3,324

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates how your location can change insurance prices.

Rural Areas $1,148
Small Cities $1,607
Large Cities $2,066

These rate differences highlight why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, 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 Details

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

  • The best full coverage rate is $882
  • Choosing higher $1,000 deductibles can save approximately $190 every year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,530
  • Buying more expensive low deductibles for comp and collision coverage increases the price to $1,902
  • Unlucky drivers with multiple tickets or accidents could pay up to $3,324 or more
  • An auto insurance policy to insure a teen driver with full coverage can cost as much as $5,842 each year

Auto insurance prices for a Lexus RX 350 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $570 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus RX 350 insurance prices. A good driver about age 40 could pay as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,180 on average in Louisiana, New York, and Michigan.

Lexus RX 350 Insurance Rates by State
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%

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Lexus RX 350 Insurance Rates by Model and Trim Level
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.

Lexus RX 350 Insurance Rates by Model Year
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 Shop for Low Cost Lexus RX 350 Insurance

Finding better rates on car insurance takes having a decent driving record, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to shop around every other policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a review of the ideas that were illustrated above.

  • 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $487 per month if comprehensive and collision insurance is included
  • Higher risk drivers who have several accidents or serious violations may have to pay on average $1,790 more annually than a driver with a clean driving record
  • Increasing policy deductibles could save as much as $550 each year
  • You may be able to save approximately $180 per year simply by shopping early and online

Rates by Driver Age

Lexus RX 350 Insurance 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

Lexus RX 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,902
$250 $1,728
$500 $1,530
$1,000 $1,340

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 350 Insurance Rates with Different Liability Limits
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

Lexus RX 350 Insurance 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.

SR-22 Surcharge $216

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
Rate after discounts $882

Discounts are estimated and may not be available from every company or in every state.

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