Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,530 every 12 months for full coverage. Comprehensive costs around $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. 16-year-old drivers cost the most to insure at $5,842 a year or more.

Average premium for full coverage: $1,530

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different RX 350 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than congested cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below shows estimated Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $882
• Raising to $1,000 deductibles will save about $190 a year
• The average price for a good driver age 40 using $500 deductibles is $1,530
• Buying more expensive low deductibles increases the price to $1,902
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,324 or more
• Policy cost to insure a teen driver with full coverage can be $5,842

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

Opting for high physical damage deductibles can reduce rates by up to $570 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find rates as low as $1,010 a year in states like Idaho, Maine, and Iowa, or at least $2,180 on average in Michigan, Louisiana, and New York.

Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied.

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 Shop for More Affordable Lexus RX 350 Insurance

Finding cheaper rates on Lexus RX 350 insurance consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every year by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a summary of the coverage data raised in the charts and tables above.

• Drivers can save up to $180 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers age 16 to 20 are the costliest to insure, costing up to $487 each month if the policy includes full coverage
• High-risk drivers who have multiple accidents or major violations may pay on average $1,790 more every year than a safer driver