Lexus RX 350 Insurance Rates

U.S. average auto insurance rates for a Lexus RX 350 are $1,530 annually with full coverage. Comprehensive insurance costs on average $292, collision costs $548, and liability insurance is estimated at $510. Liability-only insurance costs approximately $568 a year, with high-risk driver insurance costing $3,324 or more. Teenage drivers pay the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Price estimates by individual coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all RX 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas have fewer collision claims than densely populated cities.

The example below illustrates the difference location can make on car insurance rates.

The ranges above demonstrate why everyone should get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Details

The chart below details estimated Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The best discount rate is $882
• Choosing higher $1,000 deductibles can save around $190 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,530
• Using pricier low deductibles for comp and collision coverage costs an additional $372 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,324 or more
• The price with full coverage for a teen driver for full coverage may cost $5,842 each year

Car insurance prices for a Lexus RX 350 are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,500 extra each year, depending on your age. Lexus RX 350 insurance for high-risk drivers ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $570 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lexus RX 350 insurance rates. A good driver about age 40 could pay as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,070 on average in Florida, Michigan, and New York.

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite 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 Right Lexus RX 350 Insurance

Getting lower rates on Lexus RX 350 insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a quick rundown of the data that was touched on in this article.

• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Drivers who require an increased level of liability coverage will pay an extra $560 every year to raise limits from a low limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, costing up to $487 a month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,790 more each year than a safer driver