Lexus RX 350 Insurance Rates
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UPDATED: Apr 28, 2024
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Estimated insurance rates for a Lexus RX 350 are $1,576 a year for full coverage insurance. Comprehensive costs on average $304 each year, collision insurance costs $592, and liability is $500. A liability-only policy costs around $560 a year, and high-risk insurance costs around $3,424. Teen drivers pay the most at up to $5,980 a year.
Average premium for full coverage: $1,576
Premium estimates by type of coverage:
These estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and RX 350 models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lexus RX 350 range from the low end price of $560 for the bare minimum liability coverage to a high rate of $3,424 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how location impacts car insurance rates.
These rate differences illustrate why all drivers should compare rates quotes based on a specific location, instead of making a decision based on 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.
Additional Rate Information
The chart below illustrates average Lexus RX 350 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $904
- Raising to $1,000 deductibles will save around $204 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,576
- Choosing low deductibles bumps up the cost to $1,972
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,424
- An auto insurance policy that insures a 16-year-old driver may cost $5,980
Auto insurance prices for a Lexus RX 350 also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,900 to $2,600 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 135% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $5,900 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 $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,120 on average in Michigan, New York, and Florida.
| 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 can reduce prices by up to $600 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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
Finding better rates on insurance for a Lexus RX 350 consists of having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Shop around at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The next list is a brief summary of the data touched on above.
- Insureds who require increased levels of liability coverage will pay about $550 annually to raise from 30/60 bodily injury limits to the 250/500 level
- It is possible to save as much as $190 per year just by quoting online in advance
- Increasing policy deductibles can save approximately $600 each year
- Drivers age 20 and younger are charged the highest prices, with premiums being up to $498 per month if the policy includes full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,972 |
| $250 | $1,788 |
| $500 | $1,576 |
| $1,000 | $1,372 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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