Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,576 a year for full coverage. Comprehensive costs an estimated $304, collision insurance costs $592, and liability is estimated at $500. Buying just liability costs approximately $560 a year, and insurance for high-risk drivers costs around $3,424. Teens receive the highest rates at up to $5,980 a year.

Average premium for full coverage: $1,576

Rate estimates broken down by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on insurance prices.

These examples show why anyone shopping for car insurance should get quotes for a targeted area, 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 shows average Lexus RX 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $904
• Choosing higher $1,000 deductibles can save approximately $204 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,576
• Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,972
• Higher-risk drivers with serious driving violations could pay up to $3,424
• The cost that insures a 16-year-old driver with full coverage can cost as much as $5,980 each year

Auto insurance rates for a Lexus RX 350 can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,900 to $2,600 in extra premium per year, depending on your age. High-risk driver insurance ranges from 43% to 135% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $5,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus RX 350 insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,250 on average in New York, Louisiana, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $450 extra every 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

Saving money on insurance for a Lexus RX 350 takes avoiding accidents and violations, maintaining a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Compare rates at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the car insurance concepts touched on in this article.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,850 more annually for car insurance
• Drivers can save approximately $190 per year just by shopping early and online
• Increasing deductibles can save approximately $600 each year
• Insureds who want higher liability limits will pay approximately $550 each year to raise limits from a minimum limit to the 250/500 level