Lexus RX 350 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 28, 2024

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The average insurance rates for a Lexus RX 350 are $1,598 a year including full coverage. Comprehensive costs an estimated $320 each year, collision insurance costs $612, and liability costs around $486. Buying just liability costs as low as $548 a year, and insurance for high-risk drivers costs around $3,470. Teens cost the most to insure at up to $6,018 a year.

Average premium for full coverage: $1,598

Policy rates broken down by type of insurance:

Comprehensive $320
Collision $612
Liability $486

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and RX 350 models.

Price Range Variability

For the normal driver, Lexus RX 350 insurance rates range from as low as $548 for just liability insurance to a high rate of $3,470 for a high-risk insurance policy.

Liability Only $548
Full Coverage $1,598
High Risk $3,470

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects insurance prices.

Rural Areas $1,199
Small Cities $1,678
Large Cities $2,157

The examples above highlight why all drivers should compare prices for a targeted area and risk profile, instead of using averaged prices.

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 breaks down average Lexus RX 350 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $916
  • Using higher $1,000 deductibles will save approximately $210 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,598
  • Selecting low deductibles for physical damage coverage will increase the cost to $2,014
  • Drivers with serious driving violations could pay up to $3,470
  • Policy cost for full coverage for a teen driver can cost as much as $6,018 or more

Insurance rates for a Lexus RX 350 also range considerably based on your risk profile, the model of your RX 350, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $6,000 a year. View Rates by Age

Your home state has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see rates as low as $1,230 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,280 on average in Louisiana, New York, and Michigan.

Lexus RX 350 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,444 -$154 -9.6%
Alaska $1,226 -$372 -23.3%
Arizona $1,326 -$272 -17.0%
Arkansas $1,598 -$0 0.0%
California $1,820 $222 13.9%
Colorado $1,526 -$72 -4.5%
Connecticut $1,642 $44 2.8%
Delaware $1,810 $212 13.3%
Florida $2,000 $402 25.2%
Georgia $1,476 -$122 -7.6%
Hawaii $1,146 -$452 -28.3%
Idaho $1,084 -$514 -32.2%
Illinois $1,190 -$408 -25.5%
Indiana $1,206 -$392 -24.5%
Iowa $1,078 -$520 -32.5%
Kansas $1,516 -$82 -5.1%
Kentucky $2,180 $582 36.4%
Louisiana $2,368 $770 48.2%
Maine $988 -$610 -38.2%
Maryland $1,318 -$280 -17.5%
Massachusetts $1,276 -$322 -20.2%
Michigan $2,774 $1,176 73.6%
Minnesota $1,338 -$260 -16.3%
Mississippi $1,916 $318 19.9%
Missouri $1,416 -$182 -11.4%
Montana $1,716 $118 7.4%
Nebraska $1,258 -$340 -21.3%
Nevada $1,916 $318 19.9%
New Hampshire $1,154 -$444 -27.8%
New Jersey $1,786 $188 11.8%
New Mexico $1,414 -$184 -11.5%
New York $1,684 $86 5.4%
North Carolina $920 -$678 -42.4%
North Dakota $1,310 -$288 -18.0%
Ohio $1,102 -$496 -31.0%
Oklahoma $1,640 $42 2.6%
Oregon $1,464 -$134 -8.4%
Pennsylvania $1,522 -$76 -4.8%
Rhode Island $2,132 $534 33.4%
South Carolina $1,450 -$148 -9.3%
South Dakota $1,350 -$248 -15.5%
Tennessee $1,396 -$202 -12.6%
Texas $1,924 $326 20.4%
Utah $1,182 -$416 -26.0%
Vermont $1,094 -$504 -31.5%
Virginia $956 -$642 -40.2%
Washington $1,234 -$364 -22.8%
West Virginia $1,464 -$134 -8.4%
Wisconsin $1,106 -$492 -30.8%
Wyoming $1,424 -$174 -10.9%

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $630 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $438 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 133% more than the average policy. 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 $1,598 $133
Lexus RX 350 4WD $1,598 $133

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 $376 $688 $420 $1,664
2023 Lexus RX 350 $358 $660 $440 $1,638
2022 Lexus RX 350 $344 $656 $450 $1,630
2021 Lexus RX 350 $332 $640 $470 $1,622
2020 Lexus RX 350 $320 $612 $486 $1,598
2019 Lexus RX 350 $304 $592 $500 $1,576

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 Low Cost Lexus RX 350 Insurance

Finding cheaper rates on car insurance requires having a decent driving record, maintaining good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates at least every other year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a review of the car insurance concepts presented in the illustrations above.

  • Higher risk drivers who have several accidents or serious violations may pay on average $1,870 more annually than a driver with a clean driving record
  • You may be able to save approximately $190 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $625 each year
  • Policyholders who want additional liability coverage will pay approximately $540 per year to increase from a 30/60 limit to 250/500 limits

Rates by Driver Age

Lexus RX 350 Insurance Rates by Driver Age
Driver Age Premium
16 $6,018
20 $3,704
30 $1,662
40 $1,598
50 $1,462
60 $1,432

Full coverage, $500 deductibles

Rates by Deductible

Lexus RX 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,014
$250 $1,820
$500 $1,598
$1,000 $1,388

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,598
50/100 $1,695
100/300 $1,817
250/500 $2,133
100 CSL $1,744
300 CSL $2,011
500 CSL $2,206

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus RX 350 Insurance Rates for High Risk Drivers
Age Premium
16 $8,592
20 $5,902
30 $3,546
40 $3,470
50 $3,314
60 $3,286

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 $226

Potential Rate Discounts

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

Discount Savings
Multi-policy $85
Multi-vehicle $85
Homeowner $24
5-yr Accident Free $118
5-yr Claim Free $104
Paid in Full/EFT $73
Advance Quote $80
Online Quote $113
Total Discounts $682
Rate after discounts $916

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

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