Lexus RX 350 Insurance Rates

Average insurance prices for a Lexus RX 350 are $1,530 every 12 months for full coverage insurance. Comprehensive costs an estimated $292 a year, collision insurance costs $548, and liability is $510. Liability-only coverage costs around $568 a year, and high-risk coverage costs around $3,324. Teenage drivers receive the highest rates at up to $5,842 a year.

Average premium for full coverage: $1,530

Rate estimates broken down by individual coverage type:

Rates are based on $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

These examples illustrate why it is important to compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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

More Rate Information

The chart below illustrates average Lexus RX 350 insurance rates for other coverage scenarios.

• The best discount rate is $882
• Raising to $1,000 deductibles will save approximately $1,340 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,530
• Using low $100 deductibles increases the price to $1,902
• At-risk drivers who are prone to accidents and violations could pay up to $3,324
• The cost to insure a teen driver can cost as much as $5,842

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

Using high physical damage deductibles can reduce rates by up to $570 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,070 on average in Florida, 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 Shop for the Best Cheap Lexus RX 350 Insurance

Saving money on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a quick review of the material that was illustrated above.

• Policyholders who want higher liability limits will pay an extra $560 annually to raise from a minimum limit to a 250/500 level
• Teens have the highest car insurance rates, costing up to $487 per month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,790 more annually for RX 350 insurance
• Increasing deductibles could save as much as $550 each year