Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive insurance costs around $292 each year, collision insurance costs $548, and liability coverage costs around $510. Liability-only insurance costs as low as $568 a year, and high-risk driver insurance costs $3,324 or more. Teenage drivers pay the most at up to $5,842 a year.

Average premium for full coverage: $1,530

Premium estimates for type of coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why all drivers should compare prices for a specific zip code, rather than using average rates.

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

More Rate Information

The chart below breaks down average Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $882
• Using higher $1,000 deductibles will save about $190 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,530
• Using low deductibles for physical damage coverage will cost an additional $372 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,324
• An auto insurance policy that insures a teenage driver can be $5,842 or more

Insurance prices for a Lexus RX 350 also have a wide range based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,800 to $2,500 additional annually, depending on your age. Insurance for high-risk drivers can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see prices as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,180 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles could cut prices by as much as $570 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 more each year. View Rates by Deductible or Liability Limit

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 Cheap Lexus RX 350 Insurance

Finding better rates on auto insurance requires being a good driver, having a good credit score, refrain from filing small claims, and deciding if full coverage is necessary. Compare prices every time your policy renews by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following list is a brief summary of the information touched on in this article.

• You may be able to save up to $180 per year just by quoting online in advance
• Drivers age 16 to 20 are charged the highest prices, with the cost nearing $487 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $550 each year
• Drivers that tend to have accidents or serious violations may have to pay on average $1,790 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay an extra $560 per year to increase from 30/60 bodily injury limits to the 250/500 level