Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,530 every 12 months for full coverage. Comprehensive insurance costs an estimated $292 each year, collision costs $548, and liability insurance costs around $510. Buying just liability costs as low as $568 a year, with insurance for high-risk drivers costing $3,324 or more. Teenage drivers cost the most to insure at $5,842 a year or more.

Average premium for full coverage: $1,530

Policy rates broken down by type of insurance:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities.

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

The examples above show why all drivers should compare prices for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $882
• Using higher $1,000 deductibles will save approximately $190 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,530
• Using low deductibles for physical damage coverage costs an extra $372 a year
• Drivers who are prone to accidents and violations could pay up to $3,324 or more
• Policy cost to insure a teen driver can cost as much as $5,842 or more

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

Using high physical damage deductibles could cut rates by as much as $570 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see rates as low as $1,010 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,180 on average in New York, Louisiana, and Michigan.

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates will be varied.

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 the Cheapest Lexus RX 350 Insurance

Finding cheaper rates on Lexus RX 350 insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by requesting rates from direct carriers, and also from several local insurance agents.

The list below is a recap of the ideas that were touched on in the above illustrations.

• Teenagers are charged the highest rates, costing up to $487 each month if they have full coverage
• High-risk drivers that have major violations or accidents pay on average $1,790 more annually for car insurance
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers can save approximately $180 per year simply by quoting online in advance