Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year for full coverage. Comprehensive insurance costs on average $292, collision insurance costs $548, and liability is estimated at $510. A policy with only liability insurance costs approximately $568 a year, and a high-risk policy costs $3,324 or more. 16-year-old drivers pay the most at up to $5,842 a year.

Average premium for full coverage: $1,530

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than congested cities. The example below illustrates how where you live affects car insurance rates.

These rate differences show why everyone should get quotes based on a specific location and risk profile, instead of using rate averages.

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

Additional Rate Details

The chart below shows average Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $882
• Choosing higher $1,000 deductibles can save around $190 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,530
• Buying pricier low deductibles for comp and collision coverage will cost an extra $372 every year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $3,324
• An auto insurance policy for full coverage for a teen driver for full coverage may cost $5,842 each year

Car insurance prices for a Lexus RX 350 also have a wide range based on your driving characteristics, the trim level of your RX 350, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $5,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus RX 350 insurance prices. A good driver about age 40 could pay 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.

Opting for high physical damage deductibles can save as much as $570 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Lexus RX 350 insurance for high-risk drivers ranges as much as 43% to 131% more than the average rate. View High Risk Driver Rates

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 Low Cost Lexus RX 350 Insurance

Finding better rates on car insurance takes having a decent driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The following items are a review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers who have several accidents or serious violations will pay on average $1,790 more each year than a driver with a clean driving record
• Drivers can save as much as $180 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $550 each year
• Policyholders who require additional liability coverage will pay around $560 each year to raise limits from 30/60 bodily injury limits to 250/500 limits