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 approximately $292 a year, collision costs $548, and liability insurance costs $510. A policy with just liability insurance costs as little as $568 a year, with coverage for high-risk drivers costing around $3,324. Teenage drivers receive the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Rate estimates by individual coverage type:

These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples illustrate why it is important to compare rates using their specific location and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $882
• Drivers who choose higher $1,000 deductibles will pay $1,340 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,530
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,902
• High risk drivers who are prone to accidents and violations could pay around $3,324 or more
• The cost to insure a teen driver can cost $5,842 a year

Insurance rates for a Lexus RX 350 can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your RX 350.

Using high physical damage deductibles could save up to $570 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $459 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $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 anywhere from $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay 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.

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, and rates can be significantly different.

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 Cheap Lexus RX 350 Insurance

Saving money on Lexus RX 350 insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following is a brief summary of the ideas that were covered in the above illustrations.

• Teens are the costliest to insure, costing up to $487 per month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,790 more per year for RX 350 insurance
• Increasing deductibles could save as much as $550 each year
• It is possible to save around $180 per year simply by quoting early and online