Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive costs on average $292 each year, collision costs $548, and liability is $510. A liability-only policy costs around $568 a year, with high-risk insurance costing around $3,324. Teen 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 include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and RX 350 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates how location impacts car insurance rates.

These examples demonstrate why all drivers should compare rates quotes based on a specific location, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $882
• Raising to $1,000 deductibles will save around $190 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,530
• Choosing low deductibles bumps up the cost to $1,902
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,324 or more
• The cost that insures a 16-year-old driver may cost $5,842

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

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 131% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect 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 prices. A middle-age driver might find rates as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,070 on average in Florida, Michigan, and New York.

Choosing high deductibles can reduce rates by up to $570 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $459 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, so the rates can be significantly 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 Right Lexus RX 350 Insurance

Saving money on insurance for a Lexus RX 350 consists of having a good driving record, having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Shop around every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a quick rundown of the information touched on above.

• You may be able to save as much as $180 per year simply by quoting online in advance
• Drivers age 20 and younger pay the highest rates, with premiums as much as $487 per month if full coverage is included
• Increasing deductibles can save approximately $550 each year
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,790 more each year to buy Lexus RX 350 insurance
• Insureds who require increased levels of liability coverage will pay about $560 every year to raise from a minimum limit to the 250/500 level