Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year for full coverage insurance. Comprehensive costs on average $292 a year, collision costs $548, and liability coverage is $510. A policy with just liability insurance costs around $568 a year, with coverage for high-risk drivers costing around $3,324. Teenage drivers receive the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Rate estimates by individual coverage type:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

These examples illustrate why it is important to compare rates quotes based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $882
• Raising to $1,000 deductibles will save around $1,340 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,530
• Using low $100 deductibles will increase the cost to $1,902
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,324 or more
• The cost for full coverage for a teenage driver may cost $5,842

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age

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

Using high physical damage deductibles can reduce rates by up to $570 a year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $459 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, 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 is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

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 Affordable Lexus RX 350 Insurance

Saving money on auto insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at every policy renewal by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The items below are a brief review of the data covered in the charts and tables above.

• Consumers who require more liability coverage will pay an extra $560 annually to raise from a minimum limit to 250/500 limits
• It is possible to save as much as $180 per year simply by quoting early and online
• Increasing deductibles can save around $550 each year
• Teen drivers pay higher rates, costing up to $487 per month including comprehensive and collision insurance