Lexus RX 350 Insurance Rates

Average auto insurance rates for a Lexus RX 350 are $1,576 annually including full coverage. Comprehensive insurance costs approximately $304 a year, collision insurance costs $592, and liability insurance is estimated at $500. A liability-only policy costs approximately $560 a year, and high-risk insurance costs $3,424 or more. Teenage drivers receive the highest rates at up to $5,980 a year.

Average premium for full coverage: $1,576

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Analysis

The chart below breaks down average Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $904
• Choosing higher $1,000 deductibles can save $1,372 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,576
• Using low $100 deductibles for comp and collision coverage costs an additional $396 a year
• High-risk insureds who are prone to accidents and violations could pay around $3,424
• The cost with full coverage for a teen driver can cost $5,980 each year

Insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $600 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $450 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lexus RX 350 insurance rates. A good driver about age 40 could pay as low as $1,210 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,250 on average in Louisiana, 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 Buy Cheap Lexus RX 350 Insurance

Saving money on Lexus RX 350 insurance takes avoiding accidents and violations, having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to compare rates every couple of years by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The list below is a brief summary of the material that was covered in the above illustrations.

• Drivers who purchase higher liability limits will pay an extra $550 per year to raise limits from a minimum limit to higher 250/500 limits
• Teenagers are expensive to insure, as much as $498 per month including comprehensive and collision insurance
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,850 more per year for car insurance
• Increasing deductibles could save up to $600 each year