Lexus RX 350 Insurance Rates

U.S. average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive costs on average $292, collision insurance costs $548, and liability is estimated at $510. Buying just liability costs approximately $568 a year, and insurance for high-risk drivers costs around $3,324. Teen drivers pay the highest rates at up to $5,842 a year.

Average premium for full coverage: $1,530

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different RX 350 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how location impacts car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $882
• Choosing higher $1,000 deductibles can save around $190 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,530
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,902
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,324
• The price for full coverage for a teen driver with full coverage may cost $5,842 each year

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

An older driver with no violations or accidents and high deductibles may pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age

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

Choosing high deductibles can save as much as $570 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $459 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,500 additional each year, depending on your age. High-risk driver insurance ranges as much as 43% to 131% more than average. View High Risk Driver Rates

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 More Affordable Lexus RX 350 Insurance

Getting lower rates on car insurance takes being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around at least every other year by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The items below are a summary of the car insurance concepts touched on above.

• Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,790 more each year to insure their RX 350
• You may be able to save as much as $180 per year just by shopping early and online
• Increasing physical damage deductibles can save around $550 each year
• Policyholders who require more liability coverage will pay about $560 every year to raise limits from a low limit to 250/500 limits