Lexus RX 350 Insurance Rates

Average auto insurance rates for a Lexus RX 350 are $1,530 annually for full coverage. Comprehensive insurance costs approximately $292 a year, collision costs $548, and liability is $510. Buying just liability costs around $568 a year, with insurance for high-risk drivers 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 by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

These examples show why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below shows estimated Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $882
• Raising to $1,000 deductibles will save $1,340 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,530
• Selecting low $100 deductibles costs an additional $372 annually
• Drivers with serious driving violations could pay around $3,324 or more
• The cost with full coverage for a 16-year-old driver can cost $5,842

Auto insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $459 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,180 on average in New York, Louisiana, and Michigan.

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Every auto insurance company calculates rates differently, and quoted rates can be significantly different between companies.

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 Cheap Lexus RX 350 Insurance

Saving money on insurance for a Lexus RX 350 consists of being safe and accident-free, having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Spend time shopping around once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief summary of the data that was touched on above.

• Drivers can save around $180 per year simply by quoting early and online
• Insureds who purchase more liability protection will pay approximately $560 each year to raise from a minimum limit to higher 250/500 limits
• Youthful drivers have the highest car insurance rates, costing as high as $487 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,790 more per year than a low-risk driver