Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,530 every 12 months for full coverage insurance. Comprehensive costs approximately $292 a year, collision costs $548, and liability coverage costs around $510. A liability-only policy costs as low as $568 a year, with high-risk insurance costing around $3,324. 16-year-old 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:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities.

The diagram below illustrates how location helps determine auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own driving history, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $882
• Using higher $1,000 deductibles will save $1,340 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,530
• Buying low $100 deductibles for physical damage coverage increases the price to $1,902
• Higher-risk drivers with multiple tickets or accidents could pay around $3,324 or more
• Policy cost to insure a teenage driver can cost $5,842 or more

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

Opting for high physical damage deductibles could cut rates by as much as $570 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,070 on average in Florida, New York, and Michigan.

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes will be varied.

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 Shop for the Best Cheap Lexus RX 350 Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Invest time comparing rates every time your policy renews by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following is a quick review of the information covered in the charts and tables above.

• It is possible to save around $180 per year simply by quoting early and online
• Teens pay the highest auto insurance rates, possibly costing $487 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers with a DUI or reckless driving violation may have to pay on average $1,790 more per year for RX 350 insurance
• Consumers who purchase higher liability limits will pay around $560 annually to increase from a 30/60 limit to a 250/500 level