Lexus RX 350 Insurance Rates

Average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive costs approximately $292 a year, collision costs $548, and liability costs around $510. A liability-only policy costs as low as $568 a year, with high-risk insurance 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 by individual coverage type:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and RX 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples demonstrate why it is important to compare prices using their specific location, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below details estimated Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $882
• Using higher $1,000 deductibles will save $1,340 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,530
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,902
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,324 or more
• The cost that insures a 16-year-old driver can cost $5,842 or more

Insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,800 a year. View Rates by Age

Where you live has a huge impact on Lexus RX 350 insurance prices. A driver around age 40 might see rates 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.

Choosing high deductibles could cut rates by as much as $570 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $459 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the rates can be significantly 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 Find the Cheapest Lexus RX 350 Insurance

Saving money on insurance for a Lexus RX 350 requires having a decent driving record, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Shop around once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a recap of the data that was covered in the above illustrations.

• You may be able to save around $180 per year simply by quoting early and online
• Insureds who purchase additional liability coverage will pay about $560 every year to increase from a minimum limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $487 per month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,790 more per year than a driver with a clean driving record