Lexus RX 350 Insurance Rates

The average insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive costs approximately $292 a year, collision costs $548, and liability is estimated at $510. Buying just liability costs approximately $568 a year, with insurance for high-risk drivers costing around $3,324. Teen drivers cost the most to insure at $5,842 a year or more.

Average premium for full coverage: $1,530

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and RX 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $882
• Choosing higher $1,000 deductibles can save $1,340 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,530
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,902
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,324 or more
• Policy cost for full coverage for a 16-year-old driver can cost $5,842 each year

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

Older drivers with a clean driving record and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $5,800 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 $1,170 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,180 on average in Louisiana, New York, and Michigan.

Choosing high deductibles can save as much as $570 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $459 more per 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 anywhere from $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so the rates will be varied 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 More Affordable Lexus RX 350 Insurance

Finding cheaper rates on insurance for a Lexus RX 350 takes being a good driver, maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a summary of the data that was covered in the above illustrations.

• You may be able to save around $180 per year simply by quoting early and online
• Insureds who purchase an increased level of liability coverage will pay about $560 per year to raise limits from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $487 each month for full coverage
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,790 more per year than a safer driver