Lexus RX 350 Insurance Rates

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Save on 2019 Lexus RX 350 Insurance Rates in 2025

No sane person anticipates paying for car insurance, especially knowing the cost is too high. Due to the large number of insurance companies to choose from, it can be hard to choose the lowest price car insurance company. Discounts can really help save money Not too many consumers would say car insurance is affordable, but you can get discounts to reduce the price significantly. Most are applied ...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 28, 2024

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U.S. average insurance rates for a Lexus RX 350 are $1,576 a year for full coverage insurance. Comprehensive costs approximately $304 a year, collision insurance costs $592, and liability coverage costs around $500. A policy with just liability insurance costs as low as $560 a year, and coverage for high-risk drivers costs around $3,424. Teen drivers pay the highest rates at up to $5,980 a year.

Average premium for full coverage: $1,576

Price estimates by individual coverage:

Comprehensive $304
Collision $592
Liability $500

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and RX 350 trim levels.

Price Range from Low to High

For the average driver, Lexus RX 350 insurance prices range from as low as $560 for just liability insurance to a high of $3,424 for a driver required to buy high-risk insurance.

Liability Only $560
Full Coverage $1,576
High Risk $3,424

Geographic Price Range

Where you live has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

Rural Areas $1,182
Small Cities $1,655
Large Cities $2,128

The ranges above illustrate why it is important to compare prices using their specific location and risk profile, rather than using price 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 illustrates average Lexus RX 350 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $904
  • Using higher $1,000 deductibles will save $1,372 each year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,576
  • Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,972
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,424
  • The price for full coverage for a teenage driver can cost $5,980 or more

Insurance prices for a Lexus RX 350 are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,900 a year. View Rates by Age

The state you live in has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,120 on average in Florida, New York, and Michigan.

Lexus RX 350 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,422 -$154 -9.8%
Alaska $1,208 -$368 -23.4%
Arizona $1,306 -$270 -17.1%
Arkansas $1,576 -$0 0.0%
California $1,794 $218 13.8%
Colorado $1,502 -$74 -4.7%
Connecticut $1,618 $42 2.7%
Delaware $1,784 $208 13.2%
Florida $1,970 $394 25.0%
Georgia $1,454 -$122 -7.7%
Hawaii $1,128 -$448 -28.4%
Idaho $1,066 -$510 -32.4%
Illinois $1,170 -$406 -25.8%
Indiana $1,186 -$390 -24.7%
Iowa $1,062 -$514 -32.6%
Kansas $1,494 -$82 -5.2%
Kentucky $2,146 $570 36.2%
Louisiana $2,332 $756 48.0%
Maine $972 -$604 -38.3%
Maryland $1,298 -$278 -17.6%
Massachusetts $1,256 -$320 -20.3%
Michigan $2,732 $1,156 73.4%
Minnesota $1,318 -$258 -16.4%
Mississippi $1,886 $310 19.7%
Missouri $1,398 -$178 -11.3%
Montana $1,692 $116 7.4%
Nebraska $1,242 -$334 -21.2%
Nevada $1,890 $314 19.9%
New Hampshire $1,134 -$442 -28.0%
New Jersey $1,760 $184 11.7%
New Mexico $1,392 -$184 -11.7%
New York $1,658 $82 5.2%
North Carolina $906 -$670 -42.5%
North Dakota $1,290 -$286 -18.1%
Ohio $1,086 -$490 -31.1%
Oklahoma $1,614 $38 2.4%
Oregon $1,442 -$134 -8.5%
Pennsylvania $1,500 -$76 -4.8%
Rhode Island $2,098 $522 33.1%
South Carolina $1,426 -$150 -9.5%
South Dakota $1,330 -$246 -15.6%
Tennessee $1,378 -$198 -12.6%
Texas $1,896 $320 20.3%
Utah $1,164 -$412 -26.1%
Vermont $1,078 -$498 -31.6%
Virginia $942 -$634 -40.2%
Washington $1,214 -$362 -23.0%
West Virginia $1,442 -$134 -8.5%
Wisconsin $1,090 -$486 -30.8%
Wyoming $1,402 -$174 -11.0%

Choosing high deductibles could cut prices by as much as $600 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $450 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 135% more than average. View High Risk Driver Rates

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 $1,576 $131
Lexus RX 350 4WD $1,576 $131

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 $358 $660 $440 $1,638
2023 Lexus RX 350 $344 $656 $450 $1,630
2022 Lexus RX 350 $332 $640 $470 $1,622
2021 Lexus RX 350 $320 $612 $486 $1,598
2020 Lexus RX 350 $304 $592 $500 $1,576
2019 Lexus RX 350 $292 $548 $510 $1,530

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 Find Cheap Lexus RX 350 Insurance

Getting lower rates on auto insurance requires being a good driver, maintaining good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a brief summary of the data touched on above.

  • Consumers who purchase an increased level of liability coverage will pay about $550 annually to increase from a low limit to 250/500 limits
  • It is possible to save around $190 per year just by quoting early and online
  • Increasing physical damage deductibles can save around $600 each year
  • Drivers age 16 to 20 are expensive to insure, as much as $498 a month for full coverage

Rates by Driver Age

Lexus RX 350 Insurance Rates by Driver Age
Driver Age Premium
16 $5,980
20 $3,658
30 $1,638
40 $1,576
50 $1,440
60 $1,412

Full coverage, $500 deductibles

Rates by Deductible

Lexus RX 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,972
$250 $1,788
$500 $1,576
$1,000 $1,372

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,576
50/100 $1,676
100/300 $1,801
250/500 $2,126
100 CSL $1,726
300 CSL $2,001
500 CSL $2,201

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus RX 350 Insurance Rates for High Risk Drivers
Age Premium
16 $8,530
20 $5,830
30 $3,494
40 $3,424
50 $3,270
60 $3,244

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 $223

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $84
Multi-vehicle $84
Homeowner $24
5-yr Accident Free $116
5-yr Claim Free $103
Paid in Full/EFT $71
Advance Quote $78
Online Quote $112
Total Discounts $672
Rate after discounts $904

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

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