Lexus RX 350 Insurance Rates

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UPDATED: Apr 28, 2024

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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:

Comprehensive $292
Collision $548
Liability $510

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

For an average driver, insurance rates for a Lexus RX 350 go from as cheap as $568 for minimum levels of liability insurance to a high rate of $3,324 for a policy for a high-risk driver.

Liability Only $568
Full Coverage $1,530
High Risk $3,324

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.

Rural Areas $1,148
Small Cities $1,607
Large Cities $2,066

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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.

Lexus RX 350 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,382 -$148 -9.7%
Alaska $1,172 -$358 -23.4%
Arizona $1,272 -$258 -16.9%
Arkansas $1,530 -$0 0.0%
California $1,744 $214 14.0%
Colorado $1,458 -$72 -4.7%
Connecticut $1,572 $42 2.7%
Delaware $1,730 $200 13.1%
Florida $1,914 $384 25.1%
Georgia $1,412 -$118 -7.7%
Hawaii $1,098 -$432 -28.2%
Idaho $1,038 -$492 -32.2%
Illinois $1,140 -$390 -25.5%
Indiana $1,154 -$376 -24.6%
Iowa $1,032 -$498 -32.5%
Kansas $1,454 -$76 -5.0%
Kentucky $2,086 $556 36.3%
Louisiana $2,264 $734 48.0%
Maine $944 -$586 -38.3%
Maryland $1,260 -$270 -17.6%
Massachusetts $1,222 -$308 -20.1%
Michigan $2,656 $1,126 73.6%
Minnesota $1,280 -$250 -16.3%
Mississippi $1,834 $304 19.9%
Missouri $1,356 -$174 -11.4%
Montana $1,644 $114 7.5%
Nebraska $1,206 -$324 -21.2%
Nevada $1,836 $306 20.0%
New Hampshire $1,104 -$426 -27.8%
New Jersey $1,712 $182 11.9%
New Mexico $1,354 -$176 -11.5%
New York $1,612 $82 5.4%
North Carolina $882 -$648 -42.4%
North Dakota $1,254 -$276 -18.0%
Ohio $1,056 -$474 -31.0%
Oklahoma $1,572 $42 2.7%
Oregon $1,402 -$128 -8.4%
Pennsylvania $1,458 -$72 -4.7%
Rhode Island $2,042 $512 33.5%
South Carolina $1,388 -$142 -9.3%
South Dakota $1,292 -$238 -15.6%
Tennessee $1,338 -$192 -12.5%
Texas $1,844 $314 20.5%
Utah $1,132 -$398 -26.0%
Vermont $1,048 -$482 -31.5%
Virginia $916 -$614 -40.1%
Washington $1,182 -$348 -22.7%
West Virginia $1,404 -$126 -8.2%
Wisconsin $1,058 -$472 -30.8%
Wyoming $1,362 -$168 -11.0%

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

Lexus RX 350 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lexus RX 350 2WD $1,530 $128
Lexus RX 350 4WD $1,530 $128

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.

Lexus RX 350 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Lexus RX 350 $344 $656 $450 $1,630
2023 Lexus RX 350 $332 $640 $470 $1,622
2022 Lexus RX 350 $320 $612 $486 $1,598
2021 Lexus RX 350 $304 $592 $500 $1,576
2020 Lexus RX 350 $292 $548 $510 $1,530
2019 Lexus RX 350 $280 $516 $514 $1,490

Rates are averaged for all Lexus RX 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

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

Rates by Driver Age

Lexus RX 350 Insurance Rates by Driver Age
Driver Age Premium
16 $5,842
20 $3,548
30 $1,586
40 $1,530
50 $1,402
60 $1,376

Full coverage, $500 deductibles

Rates by Deductible

Lexus RX 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,902
$250 $1,728
$500 $1,530
$1,000 $1,340

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,530
50/100 $1,632
100/300 $1,760
250/500 $2,091
100 CSL $1,683
300 CSL $1,964
500 CSL $2,168

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus RX 350 Insurance Rates for High Risk Drivers
Age Premium
16 $8,324
20 $5,654
30 $3,386
40 $3,324
50 $3,178
60 $3,148

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $216

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $81
Multi-vehicle $82
Homeowner $24
5-yr Accident Free $111
5-yr Claim Free $99
Paid in Full/EFT $68
Advance Quote $75
Online Quote $108
Total Discounts $648
Rate after discounts $882

Discounts are estimated and may not be available from every company or in every state.

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