Lexus RX 350 Insurance Rates

U.S. average insurance rates for a Lexus RX 350 are $1,530 a year for full coverage insurance. Comprehensive costs approximately $292, collision insurance costs $548, and liability insurance is estimated at $510. Buying just liability costs approximately $568 a year, and insurance for high-risk drivers costs around $3,324. 16-year-old drivers pay the highest rates at up to $5,842 a year.

Average premium for full coverage: $1,530

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different RX 350 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities. The price range example below illustrates how location impacts auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should get quotes using their specific location, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below illustrates average Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $882
• Choosing higher $1,000 deductibles can save $190 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,530
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,902
• High-risk insureds with multiple tickets or accidents could pay around $3,324
• The price that insures a teen driver with full coverage can cost $5,842 each year

Insurance prices for a Lexus RX 350 are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus RX 350 insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,070 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles can save as much as $570 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $459 more each year. View Rates by Deductible or Liability Limit

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 Cheaper Lexus RX 350 Insurance

Getting lower rates on Lexus RX 350 insurance takes being a good driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop once a year by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a condensed summary of the data that was touched on above.

• It is possible to save around $180 per year just by shopping early and online
• Drivers who purchase an increased level of liability coverage will pay around $560 annually to raise limits from a low limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, as much as $487 a month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents could be charged and average of $1,790 more per year than a safer driver