Lexus RX 350 Insurance Rates

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UPDATED: Apr 28, 2024

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The average auto insurance rates for a Lexus RX 350 are $1,530 annually for full coverage. Comprehensive insurance costs approximately $292 each year, collision insurance costs $548, and liability costs around $510. Liability-only coverage costs as low as $568 a year, and high-risk coverage costs $3,324 or more. 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:

Comprehensive $292
Collision $548
Liability $510

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and RX 350 models.

Price Range Variability

For a 40-year-old driver, Lexus RX 350 insurance rates range from as cheap as $568 for your basic liability-only policy to a high rate of $3,324 for a driver that may need high-risk insurance.

Liability Only $568
Full Coverage $1,530
High Risk $3,324

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance prices.

Rural Areas $1,148
Small Cities $1,607
Large Cities $2,066

The examples above show 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

The chart below shows 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 a year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,530
  • Selecting low deductibles for physical damage coverage costs an additional $372 annually
  • 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

Insurance rates for a Lexus RX 350 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents 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 should be prepared 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 could be paying anywhere from $1,800 to $2,500 additional 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. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $459 more each 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 $1,010 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,180 on average in New York, Louisiana, and Michigan.

Lexus RX 350 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,382 -$148 -9.7%
Alaska $1,172 -$358 -23.4%
Arizona $1,272 -$258 -16.9%
Arkansas $1,530 -$0 0.0%
California $1,744 $214 14.0%
Colorado $1,458 -$72 -4.7%
Connecticut $1,572 $42 2.7%
Delaware $1,730 $200 13.1%
Florida $1,914 $384 25.1%
Georgia $1,412 -$118 -7.7%
Hawaii $1,098 -$432 -28.2%
Idaho $1,038 -$492 -32.2%
Illinois $1,140 -$390 -25.5%
Indiana $1,154 -$376 -24.6%
Iowa $1,032 -$498 -32.5%
Kansas $1,454 -$76 -5.0%
Kentucky $2,086 $556 36.3%
Louisiana $2,264 $734 48.0%
Maine $944 -$586 -38.3%
Maryland $1,260 -$270 -17.6%
Massachusetts $1,222 -$308 -20.1%
Michigan $2,656 $1,126 73.6%
Minnesota $1,280 -$250 -16.3%
Mississippi $1,834 $304 19.9%
Missouri $1,356 -$174 -11.4%
Montana $1,644 $114 7.5%
Nebraska $1,206 -$324 -21.2%
Nevada $1,836 $306 20.0%
New Hampshire $1,104 -$426 -27.8%
New Jersey $1,712 $182 11.9%
New Mexico $1,354 -$176 -11.5%
New York $1,612 $82 5.4%
North Carolina $882 -$648 -42.4%
North Dakota $1,254 -$276 -18.0%
Ohio $1,056 -$474 -31.0%
Oklahoma $1,572 $42 2.7%
Oregon $1,402 -$128 -8.4%
Pennsylvania $1,458 -$72 -4.7%
Rhode Island $2,042 $512 33.5%
South Carolina $1,388 -$142 -9.3%
South Dakota $1,292 -$238 -15.6%
Tennessee $1,338 -$192 -12.5%
Texas $1,844 $314 20.5%
Utah $1,132 -$398 -26.0%
Vermont $1,048 -$482 -31.5%
Virginia $916 -$614 -40.1%
Washington $1,182 -$348 -22.7%
West Virginia $1,404 -$126 -8.2%
Wisconsin $1,058 -$472 -30.8%
Wyoming $1,362 -$168 -11.0%

Insurance Rates by Trim Level and Model Year

Lexus RX 350 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lexus RX 350 2WD $1,530 $128
Lexus RX 350 4WD $1,530 $128

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.

Lexus RX 350 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Lexus RX 350 $344 $656 $450 $1,630
2023 Lexus RX 350 $332 $640 $470 $1,622
2022 Lexus RX 350 $320 $612 $486 $1,598
2021 Lexus RX 350 $304 $592 $500 $1,576
2020 Lexus RX 350 $292 $548 $510 $1,530
2019 Lexus RX 350 $280 $516 $514 $1,490

Rates are averaged for all Lexus RX 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Cheap Lexus RX 350 Insurance

Finding cheaper rates on insurance for a Lexus RX 350 requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a quick review of the data that was illustrated above.

  • Drivers can save around $180 per year just by quoting online in advance
  • Insureds who purchase higher liability limits will pay approximately $560 each year to increase from a 30/60 limit to higher 250/500 limits
  • Teenagers are the costliest to insure, costing up to $487 each month if they have full coverage
  • Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,790 more per year for car insurance

Rates by Driver Age

Lexus RX 350 Insurance Rates by Driver Age
Driver Age Premium
16 $5,842
20 $3,548
30 $1,586
40 $1,530
50 $1,402
60 $1,376

Full coverage, $500 deductibles

Rates by Deductible

Lexus RX 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,902
$250 $1,728
$500 $1,530
$1,000 $1,340

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,530
50/100 $1,632
100/300 $1,760
250/500 $2,091
100 CSL $1,683
300 CSL $1,964
500 CSL $2,168

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus RX 350 Insurance Rates for High Risk Drivers
Age Premium
16 $8,324
20 $5,654
30 $3,386
40 $3,324
50 $3,178
60 $3,148

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $216

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $81
Multi-vehicle $82
Homeowner $24
5-yr Accident Free $111
5-yr Claim Free $99
Paid in Full/EFT $68
Advance Quote $75
Online Quote $108
Total Discounts $648
Rate after discounts $882

Discounts are estimated and may not be available from every company or in every state.

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