Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,530 every 12 months for full coverage. Comprehensive insurance costs around $292 each year, collision insurance costs $548, and liability is $510. A liability-only policy costs around $568 a year, and high-risk insurance costs $3,324 or more. 16-year-old drivers cost the most to insure at up to $5,842 a year.

Average premium for full coverage: $1,530

Policy rates for type of insurance:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than congested cities. The graphic below illustrates how location impacts auto insurance rates.

The examples above show why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $882
• Raising to $1,000 deductibles will save about $190 a year
• The average price for a good driver age 40 using $500 deductibles is $1,530
• Buying low deductibles costs an extra $372 every year
• At-risk drivers with multiple tickets or accidents could pay at least $3,324
• Policy cost to insure a teen driver can be $5,842

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

Opting for high physical damage deductibles can reduce rates by up to $570 every year, whereas increasing liability limits will increase rates. Going 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

More mature drivers with no driving violations and higher deductibles may pay as little as $1,400 every 12 months 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 could be paying at least $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Idaho, Maine, and Iowa, or at least $2,180 on average in Michigan, Louisiana, and New York.

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 Affordable Lexus RX 350 Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around every couple of years by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a brief review of the material that was touched on above.

• Policyholders who may need more liability coverage will pay around $560 each year to raise from a 30/60 limit to a 250/500 level
• Teen drivers are the costliest to insure, costing up to $487 each month if the policy includes full coverage
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,790 more every year to insure their RX 350
• Increasing comprehensive and collision deductibles could save as much as $550 each year