Lexus RX 350 Insurance Rates

U.S. average auto insurance rates for a Lexus RX 350 are $1,530 annually for full coverage insurance. Comprehensive insurance costs approximately $292, collision insurance costs $548, and liability coverage costs $510. Buying just liability costs as little as $568 a year, and insurance for high-risk drivers costs $3,324 or more. Teenage drivers pay the highest rates at up to $5,842 a year.

Average premium for full coverage: $1,530

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different RX 350 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $882
• Drivers who choose higher $1,000 deductibles will pay $190 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,530
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $372 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,324
• The price with full coverage for a teenage driver with full coverage can cost $5,842 a year

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,500 additional each year, depending on your age. High-risk driver insurance can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $570 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $459 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,070 on average in Florida, New York, and Michigan.

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 Affordable Lexus RX 350 Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also having good credit, not filing small claims, and consideration of higher deductibles. Invest the time to shop around every year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a brief review of the coverage data illustrated above.

• It is possible to save around $180 per year just by shopping early and online
• Increasing physical damage deductibles could save up to $550 each year
• 16 to 18-year-old drivers are the costliest to insure, as much as $487 a month if they have full coverage
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,790 more per year than a driver with a clean driving record