Lexus RX 350 Insurance Rates

U.S. average auto insurance rates for a Lexus RX 350 are $1,576 annually including full coverage. Comprehensive costs around $304, collision insurance costs $592, and liability costs around $500. A policy with just liability insurance costs as low as $560 a year, and coverage for high-risk drivers costs around $3,424. Teenage drivers pay the highest rates at up to $5,980 a year.

Average premium for full coverage: $1,576

Price estimates for individual coverage:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all RX 350 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.

The ranges above highlight why everyone should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

The chart below breaks down average 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 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,576
• Using pricier low deductibles for physical damage coverage will cost $1,972
• Drivers who are prone to accidents and violations could pay at least $3,424
• The price with full coverage for a teen driver for full coverage can be $5,980 or more

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,900 to $2,600 extra each year, depending on your age. Lexus RX 350 insurance for high-risk drivers can be as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $600 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $450 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see prices as low as $1,210 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,250 on average in Michigan, New York, and Louisiana.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 Buy Cheaper Lexus RX 350 Insurance

Getting lower rates on car insurance requires being a low-risk driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Make time to compare rates at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a condensed summary of the primary concepts that were touched on in this article.

• You may be able to save up to $190 per year just by quoting online well ahead of the renewal date
• Higher risk drivers with multiple at-fault accidents may pay on average $1,850 more every year to insure their RX 350
• Increasing physical damage deductibles could save up to $600 each year
• Teen drivers pay higher prices, possibly costing $498 a month including comprehensive and collision insurance