Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive insurance costs on average $292, collision costs $548, and liability insurance costs $510. Liability-only coverage costs as little as $568 a year, with high-risk coverage 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 by type of coverage:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP 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

Your location has a significant impact on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities.

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

These rate differences demonstrate why everyone should compare rates based on a specific location, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $882
• Drivers who choose higher $1,000 deductibles will pay around $190 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,530
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $372 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $3,324 or more
• An auto insurance policy that insures a teen driver for full coverage may cost $5,842 a year

Insurance prices for a Lexus RX 350 also have a wide range based on the model of your RX 350, your age and driving habits, and policy deductibles and limits.

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

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $5,800 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay 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.

Using high physical damage deductibles could save up to $570 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, so the prices will be substantially different.

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 the Best Cheap Lexus RX 350 Insurance

Finding better rates on Lexus RX 350 insurance not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and bundling your home and auto policies. Compare prices at every other renewal by requesting rates from direct companies, and also from several local insurance agents.

The points below are a quick review of the concepts that were covered in the above illustrations.

• High-risk drivers with a DUI or reckless driving violation pay on average $1,790 more each year to insure a Lexus RX 350
• Drivers under the age of 20 pay the highest prices, possibly costing $487 per month if full coverage is included
• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $550 each year
• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date