Lexus RX 350 Insurance Rates

Estimated auto insurance rates for a Lexus RX 350 are $1,530 annually with full coverage. Comprehensive insurance costs around $292, collision costs $548, and liability costs around $510. A policy with only liability insurance costs as low as $568 a year, with a high-risk policy costing $3,324 or more. Teenage drivers pay the most at $5,842 a year or more.

Average premium for full coverage: $1,530

Premium estimates for type of coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance rates.

These rate differences demonstrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

The chart below details estimated Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $882
• Using higher $1,000 deductibles will save about $190 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,530
• Using pricier low deductibles for physical damage coverage costs an additional $372 every year
• Drivers who are prone to accidents and violations could pay at least $3,324 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can be $5,842 or more

Car insurance prices for a Lexus RX 350 also have a wide range based on the model of your RX 350, your driving record, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,800 to $2,500 extra annually, depending on your age. Lexus RX 350 insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $570 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see prices as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,070 on average in Florida, Michigan, and New York.

With such a large range in prices, the best way to find out your exact price is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

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 More Affordable Lexus RX 350 Insurance

Finding better rates on car insurance requires being a good driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at least every other year by getting rate quotes from direct companies, and also from local exclusive and independent agents.

The following list is a summary of the car insurance concepts covered in the above illustrations.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,790 more every year than a safer driver
• You may be able to save up to $180 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $550 each year
• Policyholders who may need an increased level of liability coverage will pay an extra $560 every year to increase from 30/60 bodily injury limits to higher 250/500 limits