Lexus RX 350 Insurance Rates

The average auto insurance rates for a Lexus RX 350 are $1,530 annually with full coverage. Comprehensive costs approximately $292 each year, collision insurance costs $548, and liability costs around $510. Liability-only insurance costs as low as $568 a year, and high-risk driver insurance costs around $3,324. Teens cost the most to insure at up to $5,842 a year.

Average premium for full coverage: $1,530

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $882
• Using higher $1,000 deductibles will save $190 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,530
• Selecting low deductibles for physical damage coverage will cost $1,902
• High-risk insureds with serious driving violations could pay around $3,324
• Policy cost with full coverage for a 16-year-old driver can cost $5,842 or more

Auto insurance rates for a Lexus RX 350 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability 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. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,800 a year. View Rates by Age

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $570 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $459 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see rates as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,070 on average in New York, Michigan, and Florida.

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 Cheaper Lexus RX 350 Insurance

Finding cheaper rates on insurance for a Lexus RX 350 requires having a decent driving record, having above-average credit, not filing small claims, and possibly higher deductibles. Invest time comparing rates at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a condensed summary of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,790 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers have the highest car insurance rates, as much as $487 each month if full coverage is included
• You may be able to save around $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $550 each year
• You may be able to save around $180 per year just by quoting online in advance