Lexus RX 350 Insurance Rates

Estimated auto insurance rates for a Lexus RX 350 are $1,530 annually for full coverage insurance. Comprehensive costs around $292 each 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 around $3,324. Teen drivers pay the most at $5,842 a year or more.

Average premium for full coverage: $1,530

Premium estimates for type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below illustrates estimated Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $882
• Using higher $1,000 deductibles will save about $190 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,530
• Choosing low deductibles for physical damage coverage will cost $1,902
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,324 or more
• An auto insurance policy with full coverage for a 16-year-old driver can be $5,842 or more

Auto insurance prices for a Lexus RX 350 also have a wide range based on the model of your RX 350, your risk profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,800 to $2,500 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $570 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

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 $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,070 on average in Michigan, New York, and Florida.

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and quoted prices will be substantially 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 Cheaper Lexus RX 350 Insurance

Finding better rates on insurance for a Lexus RX 350 requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates every year by getting quotes from direct insurance companies, and also from several local insurance agents.

The following items are a condensed summary of the coverage data covered in the above illustrations.

• It is possible to save up to $180 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $550 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $487 per month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,790 more every year than a driver with a clean driving record