Lexus RX 350 Insurance Rates

Average auto insurance rates for a Lexus RX 350 are $1,530 annually for full coverage. Comprehensive insurance costs an estimated $292, collision costs $548, and liability costs $510. Liability-only coverage costs as little as $568 a year, with high-risk coverage costing $3,324 or more. Teenage drivers receive the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Rate estimates broken down by individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.

The price range example below illustrates how rural and urban location affects insurance prices.

These examples show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $882
• Drivers who choose higher $1,000 deductibles will pay approximately $190 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,530
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $372 annually
• Drivers who are prone to accidents and violations could pay up to $3,324 or more
• The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $5,842 a year

Car insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your driver profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,800 to $2,500 extra per year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $570 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $459 extra every 12 months. 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 $1,010 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,180 on average in New York, Louisiana, and Michigan.

With so much variability in rates, the only way to know which company is cheapest is to compare rates from multiple companies. Every company uses a different method to calculate rates, so rate quotes can be significantly 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 Best Lexus RX 350 Insurance

Saving money on insurance for a Lexus RX 350 not only requires being safe and accident-free, but also having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to shop around every year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a brief recap of the coverage data raised in the charts and tables above.

• Drivers can save approximately $180 per year simply by shopping early and online
• Increasing deductibles could save up to $550 each year
• Youthful drivers have the highest car insurance rates, costing as high as $487 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,790 more annually than a low-risk driver