Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year for full coverage. Comprehensive costs around $292 a year, collision costs $548, and liability is $510. A liability-only policy costs around $568 a year, with high-risk insurance costing around $3,324. Teenage drivers pay the most at $5,842 a year or more.

Average premium for full coverage: $1,530

Premium estimates for type of coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 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

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance rates.

These rate differences show why it is important to compare rates quotes for a specific zip code, 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 additional coverage choices and driver risks.

• The best discount rate is $882
• Raising to $1,000 deductibles will save about $1,340 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,530
• Using low $100 deductibles bumps up the cost to $1,902
• At-risk drivers who are prone to accidents and violations could pay at least $3,324 or more
• An auto insurance policy that insures a teen driver can be $5,842

Auto insurance prices for a Lexus RX 350 also have a wide range based on the trim level of your RX 350, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $5,800 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find prices as low as $1,010 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,180 on average in Michigan, Louisiana, and New York.

Using high physical damage deductibles can reduce prices by up to $570 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know your exact price is to get quotes and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

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 Best Cheap Lexus RX 350 Insurance

Finding better rates on car insurance consists of having a decent driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare prices once a year by requesting rates from direct carriers, and also from several local insurance agents.

The following items are a quick review of the data that was illustrated above.

• Drivers can save up to $180 per year simply by quoting early and online
• Policyholders who may need additional liability coverage will pay an extra $560 each year to raise from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, as much as $487 per month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,790 more every year than a driver with a clean driving record