Lexus RX 350 Insurance Rates
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UPDATED: Apr 28, 2024
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Average auto insurance rates for a Lexus RX 350 are $1,598 annually for full coverage insurance. Comprehensive costs around $320, collision insurance costs $612, and liability insurance is $486. Buying just liability costs around $548 a year, and insurance for high-risk drivers costs around $3,470. 16-year-old drivers receive the highest rates at up to $6,018 a year.
Average premium for full coverage: $1,598
Rate estimates for individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all RX 350 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $548 for just liability coverage to the much higher price of $3,470 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities. The example below illustrates the difference location can make on auto insurance rates.
These examples illustrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on rate averages.
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.
Detailed Rate Analysis
The chart below illustrates average Lexus RX 350 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $916
- Raising to $1,000 deductibles will save about $210 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,598
- Buying pricier low deductibles will cost $2,014
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,470
- The cost with full coverage for a teen driver for full coverage can be $6,018
Auto insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your risk profile, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $6,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,900 to $2,600 in extra premium per year, depending on your age. Lexus RX 350 insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $630 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $438 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,160 on average in Michigan, New York, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy More Affordable Lexus RX 350 Insurance
Saving money on Lexus RX 350 insurance consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates at every policy renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a summary of the data touched on in this article.
- Drivers who may need higher liability limits will pay around $540 annually to raise from a minimum limit to higher 250/500 limits
- It is possible to save up to $190 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $625 each year
- Teenagers are expensive to insure, costing up to $502 per month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,014 |
| $250 | $1,820 |
| $500 | $1,598 |
| $1,000 | $1,388 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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