Lexus RX 350 Insurance Rates

Estimated insurance prices for a Lexus RX 350 are $1,576 every 12 months for full coverage insurance. Comprehensive costs an estimated $304 each year, collision insurance costs $592, and liability coverage costs around $500. Liability-only coverage costs as low as $560 a year, and high-risk coverage costs around $3,424. Teenage drivers pay the most at up to $5,980 a year.

Average premium for full coverage: $1,576

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

These rate differences illustrate why all drivers should compare prices for a targeted area and their own driving history, rather than using average rates.

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

More Rate Information

The chart below illustrates average Lexus RX 350 insurance rates for other coverage scenarios.

• The best discount rate is $904
• Using higher $1,000 deductibles will save approximately $204 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,576
• Using low deductibles for physical damage coverage increases the price to $1,972
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,424
• An auto insurance policy to insure a teenage driver can cost as much as $5,980 or more

Insurance prices for a Lexus RX 350 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $600 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $450 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers can be around 43% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,120 on average in Florida, New York, and Michigan.

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 Shop for Cheaper Lexus RX 350 Insurance

Finding better rates on auto insurance requires being a good driver, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every time your policy renews by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following list is a condensed summary of the information touched on above.

• It is possible to save approximately $190 per year just by quoting online in advance
• Drivers age 16 to 20 are charged the highest prices, with premiums being up to $498 per month if they have full coverage
• Increasing policy deductibles could save as much as $600 each year
• Drivers with multiple at-fault accidents could be forced to pay on average $1,850 more annually than a safer driver
• Consumers who want an increased level of liability coverage will pay an extra $550 annually to increase from 30/60 bodily injury limits to a 250/500 level