Lexus RX 350 Insurance Rates

U.S. average auto insurance rates for a Lexus RX 350 are $1,576 annually for full coverage insurance. Comprehensive insurance costs an estimated $304 each year, collision costs $592, and liability insurance is estimated at $500. Buying just liability costs approximately $560 a year, with insurance for high-risk drivers costing $3,424 or more. Teen drivers pay the highest rates at $5,980 a year or more.

Average premium for full coverage: $1,576

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and RX 350 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations have fewer physical damage claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

The ranges above illustrate why all drivers should get quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $904
• Choosing higher $1,000 deductibles can save approximately $204 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,576
• Choosing low deductibles for comp and collision coverage costs an additional $396 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,424 or more
• The price with full coverage for a teen driver can cost as much as $5,980 each year

Insurance prices for a Lexus RX 350 are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,500 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,900 to $2,600 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $600 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $450 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lexus RX 350 insurance rates. A good driver about age 40 could pay as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,120 on average in Florida, New York, and Michigan.

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and prices may be quite different between companies.

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 Buy the Cheapest Lexus RX 350 Insurance

Getting lower rates on Lexus RX 350 insurance takes avoiding accidents and violations, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a recap of the concepts that were presented in the illustrations above.

• High-risk drivers that have major violations or accidents may pay on average $1,850 more annually for car insurance
• Teenagers are expensive to insure, as much as $498 a month if they have full coverage
• It is possible to save approximately $190 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $600 each year
• It is possible to save approximately $190 per year simply by quoting online in advance