Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year for full coverage insurance. Comprehensive costs an estimated $292, collision costs $548, and liability costs $510. Buying just liability costs as little as $568 a year, with insurance for high-risk drivers costing around $3,324. Teen drivers receive the highest rates at $5,842 a year or more.

Average premium for full coverage: $1,530

Rate estimates broken down by individual coverage type:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how location helps determine insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using price averages.

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

Additional Charts and Tables

The chart below illustrates estimated Lexus RX 350 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $882
• Drivers who choose higher $1,000 deductibles will pay approximately $190 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,530
• Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,902
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,324 or more
• The cost for full coverage for a teen driver with full coverage can cost as much as $5,842 a year

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

An older driver with a good driving record and high deductibles may pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $5,800 a year. View Rates by Age

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

Choosing high deductibles could save up to $570 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $459 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,800 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 43% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see which company has the best rate. Every company uses a different rate calculation, and quoted rates 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 the Best Lexus RX 350 Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The points below are a brief recap of the ideas that were covered in the charts and tables above.

• Drivers under the age of 20 are the costliest to insure, costing up to $487 per month if they have full coverage
• Higher risk drivers who tend to receive serious violations pay on average $1,790 more annually to insure a Lexus RX 350
• Increasing deductibles can save around $550 each year
• It is possible to save approximately $180 per year simply by shopping early and online