Lexus RX 350 Insurance Rates

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UPDATED: Apr 28, 2024

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Estimated insurance rates for a Lexus RX 350 are $1,530 a year for full coverage insurance. Comprehensive costs on average $292, collision costs $548, and liability coverage is $510. Liability-only coverage costs around $568 a year, with high-risk coverage costing around $3,324. 16-year-old drivers pay the most at $5,842 a year or more.

Average premium for full coverage: $1,530

Premium estimates by type of coverage:

Comprehensive $292
Collision $548
Liability $510

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all RX 350 models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Lexus RX 350 go from as low as $568 for just liability coverage to the much higher price of $3,324 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how location impacts car insurance rates.

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

These rate differences illustrate why everyone should compare rates quotes based on a specific location and risk profile, rather than using rate averages.

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.

Detailed Rate Analysis

The chart below illustrates 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 each year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,530
  • Buying pricier low deductibles will increase the cost to $1,902
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $3,324 or more
  • An auto insurance policy for full coverage for a teenage driver for full coverage may cost $5,842

Insurance prices for a Lexus RX 350 also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $5,800 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,070 on average in Michigan, New York, and Florida.

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%

Opting for high physical damage deductibles can reduce prices by up to $570 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $459 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Lexus RX 350 insurance for high-risk drivers is expensive and can cost around 43% to 131% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different from one company to the next.

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 Find Cheap Lexus RX 350 Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Spend time shopping around once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a brief summary of the data that was touched on above.

  • It is possible to save as much as $180 per year simply by quoting online well ahead of the renewal date
  • Consumers who require higher liability limits will pay around $560 annually to raise from 30/60 bodily injury limits to 250/500 limits
  • Teenagers pay the highest prices, with premiums being up to $487 per month for full coverage
  • Drivers that tend to have accidents or serious violations pay an average of $1,790 more each 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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