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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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:

Comprehensive $304
Collision $592
Liability $500

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.

Liability Only $560
Full Coverage $1,576
High Risk $3,424

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.

Rural Areas $1,182
Small Cities $1,655
Large Cities $2,128

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.

Lexus RX 350 Insurance Rates by State
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

Lexus RX 350 Insurance Rates by Model and Trim Level
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.

Lexus RX 350 Insurance Rates by Model Year
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

Rates by Driver Age

Lexus RX 350 Insurance 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

Lexus RX 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,972
$250 $1,788
$500 $1,576
$1,000 $1,372

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 350 Insurance Rates with Different Liability Limits
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

Lexus RX 350 Insurance 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.

SR-22 Surcharge $223

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
Rate after discounts $904

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

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