Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all RX 350 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.

The ranges above highlight why everyone should compare prices using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $882
• Using higher $1,000 deductibles will save $190 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,530
• Choosing pricier low deductibles for physical damage coverage will cost $1,902
• Drivers with multiple violations and an at-fault accident could pay around $3,324
• The price with full coverage for a teen driver for full coverage can cost $5,842 or more

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

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,500 additional each year, depending on your age. Lexus RX 350 insurance for high-risk drivers can be anywhere from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $570 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $459 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see prices as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,180 on average in Louisiana, New York, and Michigan.

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 More Affordable Lexus RX 350 Insurance

Getting lower rates on Lexus RX 350 insurance requires avoiding accidents and violations, having good credit, being claim-free, and consideration of higher deductibles. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a summary of the material that was touched on in the above illustrations.

• Drivers who purchase higher liability limits will pay about $560 per year to increase from a low limit to higher 250/500 limits
• Teenagers are the costliest to insure, possibly costing $487 a month if they have full coverage
• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,790 more per year for car insurance
• Increasing physical damage deductibles could save up to $550 each year