Lexus RX 350 Insurance Rates

The average auto insurance rates for a Lexus RX 350 are $1,530 annually including full coverage. Comprehensive insurance costs on average $292, collision insurance costs $548, and liability coverage costs $510. A liability-only policy costs as little as $568 a year, and high-risk insurance costs $3,324 or more. Teenage drivers cost the most to insure at up to $5,842 a year.

Average premium for full coverage: $1,530

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

The examples above highlight why everyone should compare rates based on a specific location and their own personal driving habits, rather than using average rates.

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

More Rate Information

The chart below breaks down average Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The best discount rate is $882
• Drivers who choose higher $1,000 deductibles will pay around $190 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,530
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $372 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,324
• Policy cost with full coverage for a teenage driver for full coverage may cost $5,842 a year

Car insurance rates for a Lexus RX 350 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,800 to $2,500 extra every year, depending on your age. Lexus RX 350 insurance for high-risk drivers can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $570 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,180 on average in Michigan, New York, and Louisiana.

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 Buy the Right Lexus RX 350 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a quick rundown of the data touched on in the above illustrations.

• Consumers who require higher liability limits will pay an extra $560 per year to go from a 30/60 limit to higher 250/500 limits
• You may be able to save as much as $180 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Teenagers are expensive to insure, with premiums being up to $487 each month if comprehensive and collision insurance is included