Lexus RX 350 Insurance Rates

U.S. 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 coverage is $510. Liability-only insurance costs around $568 a year, with high-risk driver insurance costing $3,324 or more. 16-year-old drivers pay the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all RX 350 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates how where you live affects car insurance rates.

The ranges above highlight why everyone should compare rates quotes based on a specific location and risk profile, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $882
• Raising to $1,000 deductibles will save around $190 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,530
• Buying pricier low deductibles will cost an extra $372 each year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $3,324 or more
• The price for full coverage for a teenage driver for full coverage may cost $5,842

Car insurance prices for a Lexus RX 350 are also quite variable based on your driving record, the model of your RX 350, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $5,800 a year. View Rates by Age

The state you live in also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find prices as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,180 on average in Michigan, New York, and Louisiana.

Opting for high physical damage deductibles can reduce prices by up to $570 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 extra each year, depending on your age. Lexus RX 350 insurance for high-risk drivers is expensive and can cost around 43% to 131% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite 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 Affordable Lexus RX 350 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop at least once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a brief review of the primary concepts that were touched on in the above illustrations.

• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Drivers with DUI or reckless driving convictions may pay on average $1,790 more each year for car insurance
• Increasing physical damage deductibles can save around $550 each year
• Teenagers are expensive to insure, possibly costing $487 a month if full coverage is included