Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive costs on average $292, collision costs $548, and liability costs around $510. A policy with just liability insurance costs as low as $568 a year, with coverage for high-risk drivers costing around $3,324. 16-year-old drivers receive the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Rate estimates by individual coverage type:

Rates are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all RX 350 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These examples demonstrate why everyone should compare prices based on a specific location and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

The chart below details estimated Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $882
• Using higher $1,000 deductibles will save around $190 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,530
• Buying pricier low deductibles for physical damage coverage will increase the cost to $1,902
• Drivers with multiple tickets or accidents could pay upwards of $3,324 or more
• The cost for full coverage for a teen driver for full coverage may cost $5,842 or more

Insurance rates for a Lexus RX 350 can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age

Where you live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see rates as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or at least $2,070 on average in Florida, Michigan, and New York.

Opting for high physical damage deductibles could cut rates by as much as $570 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $459 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,500 additional per year, depending on your age. Lexus RX 350 insurance for high-risk drivers can be as much as 43% to 131% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and rates can be significantly different from one company to the next.

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 Find the Best Cheap Lexus RX 350 Insurance

Saving money on car insurance requires having a good driving record, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by getting quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The next list is a quick review of the concepts that were covered above.

• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,790 more each year to buy Lexus RX 350 insurance
• Drivers age 20 and younger pay higher rates, with premiums as much as $487 per month including comprehensive and collision insurance
• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $550 each year
• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date