Lexus RX 350 Insurance Rates

Estimated insurance prices for a Lexus RX 350 are $1,530 every 12 months with full coverage. Comprehensive costs an estimated $292 a year, collision costs $548, and liability insurance costs around $510. A liability-only policy costs as low as $568 a year, with high-risk insurance costing around $3,324. Teen drivers pay the most at $5,842 a year or more.

Average premium for full coverage: $1,530

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area and their own driving history, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $882
• Using higher $1,000 deductibles will save approximately $1,340 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,530
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,902
• Drivers with multiple violations and an at-fault accident could pay up to $3,324 or more
• An auto insurance policy to insure a teen driver can cost as much as $5,842 or more

Auto insurance prices for a Lexus RX 350 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $570 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see prices as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,070 on average in New York, Michigan, and Florida.

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and quoted prices will be substantially different.

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 Affordable Lexus RX 350 Insurance

Finding better rates on Lexus RX 350 insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a brief review of the material that was raised in the charts and tables above.

• Drivers who want increased liability limits will pay about $560 every year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 are the costliest to insure, possibly costing $487 per month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,790 more annually to insure a Lexus RX 350
• Increasing policy deductibles could save as much as $550 each year