Lexus RX 350 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance rates for a Lexus RX 350 are $1,576 a year for full coverage insurance. Comprehensive insurance costs around $304 each year, collision costs $592, and liability costs around $500. A policy with only liability insurance costs as low as $560 a year, with a high-risk policy costing $3,424 or more. Teenage drivers pay the most at $5,980 a year or more.
Average premium for full coverage: $1,576
Premium estimates for type of coverage:
Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist 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 go from the low end price of $560 for liability-only coverage to a high rate of $3,424 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities.
The graphic below illustrates how location impacts auto insurance rates.
These rate differences illustrate why all drivers should compare prices for a specific zip code, instead of using average rates.
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 Charts and Tables
The chart below illustrates estimated Lexus RX 350 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $904
- Using higher $1,000 deductibles will save about $204 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,576
- Using low deductibles for physical damage coverage will cost an additional $396 every year
- Drivers who are prone to accidents and violations could pay at least $3,424 or more
- An auto insurance policy that insures a teen driver can be $5,980 or more
Car 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 deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $5,900 a year. View Rates by Age
Where you choose to live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see prices as low as $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay 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% |
Using high physical damage deductibles could cut prices by as much as $600 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.
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 Low Cost Lexus RX 350 Insurance
Finding better rates on car insurance requires having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices at least once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The following items are a review of the primary concepts that were touched on above.
- It is possible to save up to $190 per year simply by quoting online in advance
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,850 more every year than a driver with a clean driving record
- Increasing policy deductibles can save approximately $600 each year
- 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $498 per month if full coverage is purchased
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.
Compare Rates and Save
Find companies with the cheapest rates in your area