Lexus RX-350 Insurance Rates

If you are curious to know more about insurance for a Lexus RX 350, this article is for you. You may be asking “Is a Lexus IS250 expensive to insure?” Drivers pay an average of $1,664 for Lexus RX 350 full coverage, which amounts to a $139 monthly bill.

Your Lexus RX 350 insurance rates will vary on a variety of factors such as your age, location, and personal driving record. In order to help you discover what your rates will look like, be sure to read through the helpful information contained in this guide.

Once you’re ready, enter your five-digit ZIP code into our free quote tool to start comparing rates from top companies.

Finding cheaper auto insurance online is easy, in addition you may find lower rates. The key is to compare rates from as many companies as possible in order to have the best prices.

Consumers who are new to the process of comparing rates may think buying cut-rate Lexus RX-350 insurance is very challenging. The are a couple different ways to compare rate quotes from auto insurance companies in your area. One of the best ways to compare Lexus RX-350 insurance cost is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Insurance premiums for your Lexus RX-350 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new RX-350 models so the payout to repair will push premiums down. But new RX-350 models have more advanced features including dual-stage airbags, tire pressure monitors, and blind-spot warning system so those may lower rates.

Liability coverage - Liability insurance provides protection from injuries or damage you cause to other's property or people that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverages - This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.

As you can see from the information we’ve gone over to this point, there are several moving parts that ultimately determine Lexus RX costs. Take advantage of our free online quote tool below to start comparing Lexus RX 350 rates from several companies.

What are the safety ratings of the Lexus RX 350?

When quoting a driver, insurance companies will look at the safety features and ratings of the model you drive in order to determine the risk of injury to you as well as the risk of damage to your Lexus RX 350.

Take a look at the following safety ratings of the Lexus RX 350 as determined by the Insurance Institute for Highway Safety.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

As you can see from these crash test results, the Lexus RX 350 received the highest mark possible in all six categories. Furthermore, the Lexus RX 350 was named as a Top Safety Pick when equipped with the Triple-Beam LED Headlamps package.

Lexus RX 350 Compared Against Other Vehicles in the Same Class

The Insurance Institute for Highway Safety classifies the Lexus RX 350 as a midsize luxury SUV.

If you are curious to know how the Lexus RX 350 stacks up to other similar models, take a look at the following three models. Each page provides information on the insurance rates for each comparable SUV so you can cross-reference them with the Lexus RX 350.

• Acura MDX
• Mercedes-Benz GLC-Class
• Porsche Macan

Now that we have gone into great detail about Lexus RX 350 insurance costs, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Lexus RX 350 quotes from top companies today.