Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive costs an estimated $292, collision costs $548, and liability insurance is $510. A liability-only policy costs around $568 a year, with high-risk insurance costing around $3,324. Teenage drivers receive the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

The chart below details estimated Lexus RX 350 insurance rates for other coverage scenarios.

• The best discount rate is $882
• Raising to $1,000 deductibles will save approximately $190 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,530
• Using more expensive low deductibles will increase the cost to $1,902
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,324 or more
• The cost for full coverage for a teen driver with full coverage can cost as much as $5,842

Insurance rates for a Lexus RX 350 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $5,800 a year. View Rates by Age

Where you live also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find rates as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,070 on average in New York, Michigan, and Florida.

Using high physical damage deductibles can reduce rates by up to $570 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $459 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,800 to $2,500 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different 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 Cheaper Lexus RX 350 Insurance

Saving money on Lexus RX 350 insurance consists of not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at every other renewal by getting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a condensed summary of the concepts that were presented in the illustrations above.

• High-risk drivers with multiple at-fault accidents may pay on average $1,790 more annually for RX 350 insurance
• Teens are charged the highest rates, with premiums as much as $487 per month for full coverage
• You may be able to save approximately $180 per year simply by shopping early and online
• Increasing deductibles can save around $550 each year
• You may be able to save approximately $180 per year simply by shopping early and online