Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive insurance costs on average $292, collision costs $548, and liability insurance costs $510. Liability-only coverage costs as little as $568 a year, with high-risk coverage costing $3,324 or more. Teens receive the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Rate estimates by individual coverage type:

Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all RX 350 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how your location can change car insurance rates.

These examples highlight why everyone should compare rates based on a specific location and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $882
• Drivers who choose higher $1,000 deductibles will pay around $190 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,530
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $372 a year
• High risk drivers with serious driving violations could pay upwards of $3,324 or more
• The cost for full coverage for a teen driver for full coverage may cost $5,842 a year

Car insurance rates for a Lexus RX 350 can also vary considerably based on your driver profile, the model of your RX 350, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $5,800 a year. View Rates by Age

Where you live makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,180 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles could save up to $570 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 extra per year, depending on your age. Lexus RX 350 insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so rate quotes 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 Low Cost Lexus RX 350 Insurance

Saving money on Lexus RX 350 insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around at every policy renewal by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a review of the data illustrated above.

• Drivers who require higher levels of liability will pay approximately $560 per year to go from a minimum limit to 250/500 limits
• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $550 each year
• Teenage drivers are expensive to insure, as much as $487 per month if full coverage is included