Lexus RX 350 Insurance Rates

U.S. average auto insurance rates for a Lexus RX 350 are $1,530 annually including full coverage. Comprehensive insurance costs on average $292, collision costs $548, and liability insurance is estimated at $510. Liability-only insurance costs approximately $568 a year, with high-risk driver insurance costing $3,324 or more. 16-year-old drivers pay the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different RX 350 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have fewer comprehensive and collision claims than congested cities.

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

The ranges above highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

More Rate Information

The chart below breaks down estimated 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 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,530
• Buying more expensive low deductibles for comp and collision coverage costs an additional $372 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,324 or more
• The price with full coverage for a teen driver with full coverage may cost $5,842 each year

Car insurance prices for a Lexus RX 350 are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,800 to $2,500 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $570 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lexus RX 350 insurance rates. A good driver about age 40 could pay as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,180 on average in Michigan, New York, and Louisiana.

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different between companies.

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

Getting lower rates on Lexus RX 350 insurance takes having a decent driving record, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the material that was covered above.

• Drivers who require additional liability coverage will pay around $560 per year to raise limits from a low limit to higher 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, possibly costing $487 a month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations pay on average $1,790 more each year than a driver with a clean driving record
• Increasing physical damage deductibles could save up to $550 each year