Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive insurance costs an estimated $292, collision costs $548, and liability coverage is $510. Liability-only coverage costs around $568 a year, with high-risk coverage costing $3,324 or more. Teens receive the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all RX 350 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on insurance prices.

These examples highlight why everyone should compare rates quotes for a targeted area and risk profile, rather than using averaged prices.

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

Additional Charts and Tables

The chart below breaks down estimated Lexus RX 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $882
• Raising to $1,000 deductibles will save approximately $190 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,530
• Selecting pricier low deductibles will cost an extra $372 each year
• Unlucky drivers with serious driving violations could pay up to $3,324 or more
• The cost for full coverage for a teenage driver for full coverage can cost as much as $5,842

Car insurance rates for a Lexus RX 350 can also vary considerably based on your driver profile, the model of your RX 350, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,800 a year. View Rates by Age

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,800 to $2,500 extra per year, depending on your age. Lexus RX 350 insurance for high-risk drivers is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, so rate quotes can be significantly different from one company to the next.

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 Affordable Lexus RX 350 Insurance

Saving money on auto insurance consists of being safe and accident-free, having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below you'll find a brief review of the information covered in the above illustrations.

• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Youthful drivers have the highest car insurance rates, as much as $487 per month if full coverage is included
• Increasing deductibles can save around $550 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,790 more annually than a low-risk driver
• Consumers who want more liability protection will pay approximately $560 per year to raise from a minimum limit to 250/500 limits