Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Premium estimates by type of coverage:

These estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance prices.

These rate differences demonstrate why all drivers should compare rates using their specific location, rather than using averaged prices.

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

Additional Rate Information

The chart below details estimated Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $882
• Drivers who choose higher $1,000 deductibles will pay $190 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,530
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,902
• High-risk insureds with serious driving violations could pay around $3,324 or more
• An auto insurance policy that insures a teenage driver can cost $5,842 a year

Auto insurance prices for a Lexus RX 350 also have a wide range based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,800 to $2,500 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,800 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,070 on average in New York, Michigan, and Florida.

Choosing higher comprehensive and collision insurance deductibles could save up to $570 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Every company calculates prices differently, and quoted prices will be substantially 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 Find Cheap Lexus RX 350 Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare rates at least once a year by requesting quotes from direct companies, and also from local insurance agencies.

The next list is a brief summary of the primary concepts that were touched on above.

• You may be able to save around $180 per year simply by quoting online in advance
• Drivers that tend to have accidents or serious violations may have to pay on average $1,790 more per year to buy Lexus RX 350 insurance
• Increasing policy deductibles can save approximately $550 each year
• Drivers age 20 and younger have the highest car insurance prices, possibly costing $487 per month if the policy includes full coverage