Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year for full coverage. Comprehensive insurance costs around $292, collision costs $548, and liability costs around $510. A policy with only liability insurance costs as low as $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:

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $882
• Using higher $1,000 deductibles will save about $190 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,530
• Using more expensive low deductibles for physical damage coverage will cost an additional $372 every year
• Drivers who are prone to accidents and violations could pay at least $3,324 or more
• An auto insurance policy that insures a teen driver with full coverage can be $5,842 or more

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

If you have a few violations or you caused an accident, you could be paying at least $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see prices as low as $1,010 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,180 on average in Michigan, Louisiana, and New York.

Using high physical damage deductibles could cut prices by as much as $570 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know your exact price is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes 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 Cheaper Lexus RX 350 Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare prices every other policy renewal by requesting quotes from direct carriers, and also from several local insurance agents.

Below is a condensed summary of the ideas that were touched on above.

• Teenage drivers are the costliest to insure, as much as $487 per month if full coverage is purchased
• Higher risk drivers with multiple at-fault accidents pay on average $1,790 more every year for auto insurance
• Increasing policy deductibles can save approximately $550 each year
• Drivers can save up to $180 per year simply by shopping early and online