Lexus RX 350 Insurance Rates

The average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive costs on average $292 each year, collision costs $548, and liability is estimated at $510. Liability-only coverage costs approximately $568 a year, with high-risk coverage costing around $3,324. Teens cost the most to insure at $5,842 a year or more.

Average premium for full coverage: $1,530

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why all drivers should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below details estimated Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $882
• Choosing higher $1,000 deductibles can save around $190 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,530
• Selecting low deductibles for comp and collision coverage will increase the cost to $1,902
• Higher-risk drivers with serious driving violations could pay upwards of $3,324 or more
• Policy cost for full coverage for a 16-year-old driver may cost $5,842 each year

Insurance rates for a Lexus RX 350 also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus RX 350 insurance prices. A good driver about age 40 could pay as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,070 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,500 additional every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, and rates will be varied from one company to the next.

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

Finding cheaper rates on insurance for a Lexus RX 350 takes avoiding accidents and claims, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at every policy renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a condensed summary of the data covered above.

• Insureds who require increased liability limits will pay approximately $560 every year to raise limits from a 30/60 limit to 250/500 limits
• You may be able to save as much as $180 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers under the age of 20 pay higher rates, as much as $487 each month including comprehensive and collision insurance