Lexus RX 350 Insurance Rates

U.S. average insurance prices for a Lexus RX 350 are $1,530 every 12 months including full coverage. Comprehensive costs around $292 each year, collision costs $548, and liability coverage costs around $510. Liability-only insurance costs as low as $568 a year, with high-risk driver insurance costing around $3,324. Teen drivers pay the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and RX 350 models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates the difference location can make on auto insurance rates.

The ranges above highlight why all drivers should compare prices for a specific zip code and their own driving history, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $882
• Using higher $1,000 deductibles will save about $190 every year
• The average price for the average middle-age driver using $500 deductibles is $1,530
• Choosing low deductibles for physical damage coverage increases the price to $1,902
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,324 or more
• The price to insure a teenage driver can be $5,842 or more

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

Choosing high deductibles could cut prices by as much as $570 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability 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

More mature drivers with no driving violations and higher deductibles may only pay around $1,400 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 131% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see prices as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,180 on average in Michigan, New York, and Louisiana.

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes may be quite different.

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 the Best Cheap Lexus RX 350 Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a quick review of the primary concepts that were touched on in this article.

• You may be able to save up to $180 per year simply by quoting online in advance
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,790 more every year to insure a Lexus RX 350
• Increasing physical damage deductibles could save as much as $550 each year
• Drivers under the age of 20 are the costliest to insure, possibly costing $487 a month if the policy includes full coverage