Lexus RX 350 Insurance Rates

U.S. average auto insurance rates for a Lexus RX 350 are $1,530 annually including full coverage. Comprehensive insurance costs around $292 a year, collision insurance costs $548, and liability coverage is $510. A policy with just liability insurance costs around $568 a year, and coverage for high-risk drivers costs $3,324 or more. Teenage drivers pay the highest rates at up to $5,842 a year.

Average premium for full coverage: $1,530

Price estimates for individual coverage:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and RX 350 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $882
• Raising to $1,000 deductibles will save about $1,340 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,530
• Using low $100 deductibles costs an additional $372 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $3,324
• The price with full coverage for a teenage driver can be $5,842

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,800 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $570 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $459 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find prices as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,180 on average in Michigan, New York, and Louisiana.

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 Buy Affordable Lexus RX 350 Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Take the time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the ideas that were covered in the above illustrations.

• Teen drivers pay higher prices, possibly costing $487 a month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $1,790 more every year to insure their RX 350
• Increasing physical damage deductibles could save up to $550 each year
• You may be able to save up to $180 per year just by quoting early and online