Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,530 every 12 months for full coverage insurance. Comprehensive costs around $292, collision costs $548, and liability costs $510. A liability-only policy costs as little as $568 a year, with high-risk insurance costing around $3,324. Teen drivers cost the most to insure at $5,842 a year or more.

Average premium for full coverage: $1,530

Policy rates for type of insurance:

Includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different RX 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of using price averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $882
• Drivers who choose higher $1,000 deductibles will pay about $190 each year
• The average price for a good driver age 40 using $500 deductibles is $1,530
• Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,902
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,324 or more
• Policy cost to insure a teen driver with full coverage can be $5,842 a year

Car insurance rates for a Lexus RX 350 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing high deductibles could save up to $570 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 131% more than average. View High Risk Driver Rates

Your home state makes a big difference in Lexus RX 350 insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,070 on average in Michigan, New York, and Florida.

Because rates have so much variability, the only way to figure out your exact price is to compare rates and see which company has the best rate. Every company uses a different rate calculation, so rate quotes will be varied.

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 Shop for the Cheapest Lexus RX 350 Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Invest time comparing rates once a year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a recap of the data that was covered in the charts and tables above.

• It is possible to save up to $180 per year simply by shopping early and online
• Policyholders who may need increased liability limits will pay about $560 annually to go from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 are the costliest to insure, possibly costing $487 each month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents may pay on average $1,790 more every year to insure a Lexus RX 350