Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Premium estimates for type of coverage:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why everyone should get quotes for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $882
• Choosing higher $1,000 deductibles can save about $190 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,530
• Using pricier low deductibles for comp and collision coverage will cost an extra $372 a year
• High-risk insureds who are prone to accidents and violations could pay at least $3,324 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can be $5,842 each year

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

A more mature driver with no driving violations and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $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 rates. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,070 on average in Michigan, New York, and Florida.

Using high physical damage deductibles can save as much as $570 each year, whereas buying more liability protection will increase prices. Switching 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 are probably paying at least $1,800 to $2,500 extra annually, depending on your age. Lexus RX 350 insurance for high-risk drivers ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially 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 Cheap Lexus RX 350 Insurance

Finding better rates on Lexus RX 350 insurance takes being a good driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief summary of the primary concepts that were covered in the above illustrations.

• It is possible to save up to $180 per year simply by quoting online well ahead of the renewal date
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,790 more every year than a safer driver
• Increasing policy deductibles can save around $550 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $487 per month if full coverage is included