Lexus RX 350 Insurance Rates

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

Average premium for full coverage: $1,530

Policy rates by type of insurance:

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below shows average Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The best discount rate is $882
• Using higher $1,000 deductibles will save around $190 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,530
• Using low deductibles for physical damage coverage will increase the cost to $1,902
• Drivers who are prone to accidents and violations could pay upwards of $3,324
• Policy cost for full coverage for a teen driver may cost $5,842 or more

Auto insurance rates for a Lexus RX 350 also range considerably based on your risk profile, the trim level of your RX 350, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age

Your home state has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,180 on average in Michigan, Louisiana, and New York.

Using high physical damage deductibles could cut rates by as much as $570 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $459 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

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 More Affordable Lexus RX 350 Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following is a summary of the car insurance concepts covered above.

• Higher risk drivers who have multiple accidents or major violations will pay on average $1,790 more each year for RX 350 insurance
• Drivers can save as much as $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $550 each year
• Policyholders who require higher liability limits will pay an extra $560 each year to increase from a 30/60 limit to 250/500 limits