Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive insurance costs approximately $292 a year, collision insurance costs $548, and liability costs around $510. Liability-only coverage costs as low as $568 a year, and high-risk coverage costs $3,324 or more. Teen drivers receive the highest rates at up to $5,842 a year.

Average premium for full coverage: $1,530

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.

These examples demonstrate why it is important to compare prices using their specific location, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below details average Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $882
• Using higher $1,000 deductibles will save $1,340 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,530
• Choosing low $100 deductibles for physical damage coverage will cost an additional $372 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,324
• The cost that insures a 16-year-old driver can cost $5,842 or more

Car insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,800 a year. View Rates by Age

Where you live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see rates as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,070 on average in New York, Michigan, and Florida.

Choosing high deductibles could cut rates by as much as $570 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit

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 Low Cost Lexus RX 350 Insurance

Saving money on insurance for a Lexus RX 350 requires being a good driver, having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Shop around every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a review of the information touched on in this article.

• You may be able to save around $180 per year just by quoting early and online
• Drivers age 16 to 20 pay the highest auto insurance rates, with premiums as much as $487 per month if full coverage is purchased
• Increasing deductibles can save approximately $550 each year
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,790 more per year than a safer driver
• Insureds who purchase an increased level of liability coverage will pay about $560 every year to increase from a minimum limit to the 250/500 level