Lexus RX 350 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 28, 2024
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Average insurance rates for a Lexus RX 350 are $1,530 a year for full coverage. Comprehensive insurance costs around $292, collision insurance costs $548, and liability insurance costs around $510. Buying just liability costs as low as $568 a year, and insurance for high-risk drivers costs $3,324 or more. Teenage drivers receive the highest rates at up to $5,842 a year.
Average premium for full coverage: $1,530
Rate estimates for individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all RX 350 models.
Price Range by Coverage and Risk
For an average driver, prices range range from the low end price of $568 for a discount liability-only rate to the much higher price of $3,324 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance rates.
These examples show why everyone should compare prices for a specific zip code, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below shows average 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 driver using $500 deductibles is $1,530
- Using pricier low deductibles for physical damage coverage will cost an additional $372 a year
- Drivers who are prone to accidents and violations could pay at least $3,324
- The cost that insures a teen driver for full coverage can be $5,842 or more
Auto insurance rates for a Lexus RX 350 can also vary considerably based on the model of your RX 350, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,800 to $2,500 in extra premium per year, depending on your age. Lexus RX 350 insurance for high-risk drivers can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,800 a year. View Rates by Age
Where you live has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see rates 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,382 | -$148 | -9.7% |
| Alaska | $1,172 | -$358 | -23.4% |
| Arizona | $1,272 | -$258 | -16.9% |
| Arkansas | $1,530 | -$0 | 0.0% |
| California | $1,744 | $214 | 14.0% |
| Colorado | $1,458 | -$72 | -4.7% |
| Connecticut | $1,572 | $42 | 2.7% |
| Delaware | $1,730 | $200 | 13.1% |
| Florida | $1,914 | $384 | 25.1% |
| Georgia | $1,412 | -$118 | -7.7% |
| Hawaii | $1,098 | -$432 | -28.2% |
| Idaho | $1,038 | -$492 | -32.2% |
| Illinois | $1,140 | -$390 | -25.5% |
| Indiana | $1,154 | -$376 | -24.6% |
| Iowa | $1,032 | -$498 | -32.5% |
| Kansas | $1,454 | -$76 | -5.0% |
| Kentucky | $2,086 | $556 | 36.3% |
| Louisiana | $2,264 | $734 | 48.0% |
| Maine | $944 | -$586 | -38.3% |
| Maryland | $1,260 | -$270 | -17.6% |
| Massachusetts | $1,222 | -$308 | -20.1% |
| Michigan | $2,656 | $1,126 | 73.6% |
| Minnesota | $1,280 | -$250 | -16.3% |
| Mississippi | $1,834 | $304 | 19.9% |
| Missouri | $1,356 | -$174 | -11.4% |
| Montana | $1,644 | $114 | 7.5% |
| Nebraska | $1,206 | -$324 | -21.2% |
| Nevada | $1,836 | $306 | 20.0% |
| New Hampshire | $1,104 | -$426 | -27.8% |
| New Jersey | $1,712 | $182 | 11.9% |
| New Mexico | $1,354 | -$176 | -11.5% |
| New York | $1,612 | $82 | 5.4% |
| North Carolina | $882 | -$648 | -42.4% |
| North Dakota | $1,254 | -$276 | -18.0% |
| Ohio | $1,056 | -$474 | -31.0% |
| Oklahoma | $1,572 | $42 | 2.7% |
| Oregon | $1,402 | -$128 | -8.4% |
| Pennsylvania | $1,458 | -$72 | -4.7% |
| Rhode Island | $2,042 | $512 | 33.5% |
| South Carolina | $1,388 | -$142 | -9.3% |
| South Dakota | $1,292 | -$238 | -15.6% |
| Tennessee | $1,338 | -$192 | -12.5% |
| Texas | $1,844 | $314 | 20.5% |
| Utah | $1,132 | -$398 | -26.0% |
| Vermont | $1,048 | -$482 | -31.5% |
| Virginia | $916 | -$614 | -40.1% |
| Washington | $1,182 | -$348 | -22.7% |
| West Virginia | $1,404 | -$126 | -8.2% |
| Wisconsin | $1,058 | -$472 | -30.8% |
| Wyoming | $1,362 | -$168 | -11.0% |
Using high physical damage deductibles could cut rates by as much as $570 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $459 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 350 2WD | $1,530 | $128 |
| Lexus RX 350 4WD | $1,530 | $128 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus RX 350 | $344 | $656 | $450 | $1,630 |
| 2023 Lexus RX 350 | $332 | $640 | $470 | $1,622 |
| 2022 Lexus RX 350 | $320 | $612 | $486 | $1,598 |
| 2021 Lexus RX 350 | $304 | $592 | $500 | $1,576 |
| 2020 Lexus RX 350 | $292 | $548 | $510 | $1,530 |
| 2019 Lexus RX 350 | $280 | $516 | $514 | $1,490 |
Rates are averaged for all Lexus RX 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Lexus RX 350 Insurance
Saving money on Lexus RX 350 insurance requires having a decent driving record, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare prices at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a quick review of the data covered in the above illustrations.
- Drivers who may need additional liability coverage will pay an extra $560 each year to increase from a minimum limit to the 250/500 level
- Drivers can save up to $180 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $550 each year
- 16 to 18-year-old drivers are expensive to insure, costing as high as $487 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,842 |
| 20 | $3,548 |
| 30 | $1,586 |
| 40 | $1,530 |
| 50 | $1,402 |
| 60 | $1,376 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,902 |
| $250 | $1,728 |
| $500 | $1,530 |
| $1,000 | $1,340 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,530 |
| 50/100 | $1,632 |
| 100/300 | $1,760 |
| 250/500 | $2,091 |
| 100 CSL | $1,683 |
| 300 CSL | $1,964 |
| 500 CSL | $2,168 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,324 |
| 20 | $5,654 |
| 30 | $3,386 |
| 40 | $3,324 |
| 50 | $3,178 |
| 60 | $3,148 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $81 |
| Multi-vehicle | $82 |
| Homeowner | $24 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $99 |
| Paid in Full/EFT | $68 |
| Advance Quote | $75 |
| Online Quote | $108 |
| Total Discounts | $648 |
Discounts are estimated and may not be available from every company or in every state.
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