Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year for full coverage insurance. Comprehensive costs an estimated $292 a year, collision costs $548, and liability is $510. A policy with only liability insurance costs around $568 a year, with a high-risk policy costing around $3,324. Teens 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:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects insurance prices.

These rate differences illustrate why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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 cheapest rate after discounts is $882
• Raising to $1,000 deductibles will save approximately $1,340 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,530
• Selecting low $100 deductibles will increase the cost to $1,902
• Drivers with serious driving violations could pay up to $3,324 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $5,842

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

Older drivers with no driving violations and high deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $5,800 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,070 on average in Florida, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $570 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Every auto insurance company calculates prices differently, so rate quotes will be substantially 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 More Affordable Lexus RX 350 Insurance

Finding better rates on insurance for a Lexus RX 350 consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop at least every other year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a summary of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,790 more annually for car insurance
• It is possible to save approximately $180 per year simply by quoting early and online
• Increasing policy deductibles can save around $550 each year
• Insureds who want higher liability limits will pay approximately $560 annually to raise from 30/60 bodily injury limits to 250/500 limits