Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,530 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $292 a year, collision insurance costs $548, and liability costs $510. Liability-only coverage costs as little as $568 a year, and high-risk coverage costs $3,324 or more. Teens cost the most to insure at up to $5,842 a year.

Average premium for full coverage: $1,530

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and RX 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how location impacts insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Lexus RX 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $882
• Drivers who choose higher $1,000 deductibles will pay approximately $1,340 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,530
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $372 annually
• Drivers with serious driving violations could pay up to $3,324
• Policy cost to insure a 16-year-old driver can cost as much as $5,842 a year

Insurance rates for a Lexus RX 350 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $570 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Lexus RX 350 insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,070 on average in Florida, New York, and Michigan.

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 Right Lexus RX 350 Insurance

Finding cheaper rates on insurance for a Lexus RX 350 not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and possibly raising deductibles. Spend time shopping around at every policy renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The points below are a quick rundown of the data touched on above.

• Insureds who want increased liability limits will pay approximately $560 annually to go from a 30/60 limit to a 250/500 level
• It is possible to save approximately $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $487 each month if full coverage is included