Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year for full coverage. Comprehensive costs approximately $292 a year, collision costs $548, and liability is estimated at $510. Liability-only insurance costs approximately $568 a year, with high-risk driver 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 by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences show why it is important to get quotes using their specific location, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $882
• Choosing higher $1,000 deductibles can save $1,340 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,530
• Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,902
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,324 or more
• An auto insurance policy that insures a teen driver can cost $5,842 each year

Insurance prices for a Lexus RX 350 also have a wide range based on the trim level of your RX 350, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,800 to $2,500 additional annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 131% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus RX 350 insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Iowa, Maine, and Idaho, or as much as $2,180 on average in New York, Louisiana, and Michigan.

Choosing high deductibles can save as much as $570 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, and prices will be substantially 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 Find More Affordable Lexus RX 350 Insurance

Finding better rates on car insurance takes being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Shop around at every other renewal by getting quotes from direct carriers, and also from insurance agencies where you live.

The items below are a summary of the concepts that were covered above.

• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,790 more per year to insure their RX 350
• Teen drivers are the costliest to insure, as much as $487 per month if comprehensive and collision insurance is included
• Drivers can save around $180 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $550 each year
• Drivers can save around $180 per year simply by quoting early and online