Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive insurance costs on average $292 a year, collision costs $548, and liability costs around $510. A liability-only policy costs as low as $568 a year, with high-risk insurance costing $3,324 or more. Teens pay the most at $5,842 a year or more.

Average premium for full coverage: $1,530

Premium estimates by type of coverage:

Prices include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects car insurance rates.

These rate differences highlight why it is important to compare prices based on a specific location, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below breaks down estimated Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $882
• Using higher $1,000 deductibles will save around $1,340 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,530
• Selecting low $100 deductibles for physical damage coverage will cost an additional $372 annually
• High-risk insureds with serious driving violations could pay upwards of $3,324 or more
• An auto insurance policy that insures a 16-year-old driver may cost $5,842 or more

Auto insurance prices for a Lexus RX 350 also have a wide range based on the trim level of your RX 350, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low 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 have to pay upwards of $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 $1,170 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,180 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company calculates prices differently, and quoted prices 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 the Right Lexus RX 350 Insurance

Finding better rates on insurance for a Lexus RX 350 requires being a safe and courteous driver, maintaining a good credit score, refrain from filing small claims, and taking advantage of discounts. Compare rates every couple of years by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a quick rundown of the material that was raised in the charts and tables above.

• Insureds who require higher levels of liability will pay approximately $560 per year to increase from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers are charged the highest prices, with the cost nearing $487 per month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,790 more each year for auto insurance
• Increasing policy deductibles can save approximately $550 each year