Lexus RX 350 Insurance Rates

U.S. average insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive costs on average $292 each year, collision costs $548, and liability insurance is $510. A policy with just liability insurance costs around $568 a year, with coverage for high-risk drivers costing around $3,324. 16-year-old drivers pay the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Price estimates by individual coverage:

Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and RX 350 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates how location helps determine car insurance rates.

The ranges above highlight why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below breaks down estimated Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $882
• Raising to $1,000 deductibles will save around $190 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,530
• Buying low deductibles will increase the cost to $1,902
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,324 or more
• The price for full coverage for a teen driver may cost $5,842

Insurance prices for a Lexus RX 350 are also quite variable based on your driving record, the model of your RX 350, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $5,800 a year. View Rates by Age

The state you live in also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find prices as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,180 on average in Michigan, New York, and Louisiana.

Opting for high physical damage deductibles can reduce prices by up to $570 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $459 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.

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 Low Cost Lexus RX 350 Insurance

Getting lower rates on Lexus RX 350 insurance consists of not taking risks behind the wheel, maintaining good credit, being claim-free, and bundling your home and auto policies. Invest time comparing rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a review of the concepts that were covered in the charts and tables above.

• High-risk drivers who have several accidents or serious violations may pay on average $1,790 more each year for RX 350 insurance
• Teens pay the highest prices, possibly costing $487 a month for full coverage
• You may be able to save as much as $180 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $550 each year
• You may be able to save as much as $180 per year simply by quoting online in advance