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 on average $292 a year, collision insurance costs $548, and liability costs around $510. A policy with just liability insurance costs as low as $568 a year, and coverage for high-risk drivers costs around $3,324. Teens receive the highest rates at up to $5,842 a year.

Average premium for full coverage: $1,530

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how your location can change car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below illustrates average Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $882
• Using higher $1,000 deductibles will save around $1,340 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,530
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,902
• High-risk insureds with serious driving violations could pay upwards of $3,324
• The cost to insure a 16-year-old driver may cost $5,842 or more

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $570 annually, while buying higher liability limits will cost you more. 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 may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards 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 at a minimum $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,070 on average in Michigan, New York, 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 Shop for Affordable Lexus RX 350 Insurance

Saving money on insurance for a Lexus RX 350 requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief review of the material that was illustrated above.

• Insureds who require an increased level of liability coverage will pay approximately $560 annually to increase from a minimum limit to a 250/500 level
• Drivers age 16 to 20 pay higher rates, costing up to $487 per month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,790 more each year than a safer driver
• Increasing deductibles could save as much as $550 each year