Lexus RX 350 Insurance Rates

The average insurance rates for a Lexus RX 350 are $1,576 a year including full coverage. Comprehensive insurance costs an estimated $304, collision insurance costs $592, and liability is estimated at $500. Liability-only insurance costs approximately $560 a year, and high-risk driver insurance costs $3,424 or more. Teens cost the most to insure at up to $5,980 a year.

Average premium for full coverage: $1,576

Policy rates broken down by type of insurance:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how your location can change insurance prices.

The examples above highlight why everyone should get quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below breaks down average Lexus RX 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $904
• Choosing higher $1,000 deductibles can save approximately $204 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,576
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $396 annually
• Higher-risk drivers with serious driving violations could pay up to $3,424
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $5,980 each year

Auto insurance rates for a Lexus RX 350 also range considerably based on your risk profile, the model of your RX 350, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus RX 350 insurance prices. A good driver about age 40 could pay as low as $1,210 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,250 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $450 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,900 to $2,600 in extra premium every year, depending on your age. Lexus RX 350 insurance for high-risk drivers ranges from 43% to 135% more than the average policy. View High Risk Driver Rates

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

Finding cheaper rates on insurance for a Lexus RX 350 takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a brief review of the information illustrated above.

• You may be able to save approximately $190 per year just by quoting online well ahead of the renewal date
• Teens are the costliest to insure, with premiums being up to $498 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $600 each year
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,850 more annually for RX 350 insurance
• Insureds who want higher liability limits will pay approximately $550 per year to raise limits from a 30/60 limit to 250/500 limits