Lexus RX 350 Insurance Rates

The average insurance prices for a Lexus RX 350 are $1,530 every 12 months including full coverage. Comprehensive costs on average $292, collision costs $548, and liability is estimated at $510. Liability-only insurance costs approximately $568 a year, with high-risk driver insurance costing around $3,324. Teenage drivers cost the most to insure at $5,842 a year or more.

Average premium for full coverage: $1,530

Policy rates by type of insurance:

Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured 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

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above highlight why everyone should get quotes based on a specific location and their own driving history, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $882
• Choosing higher $1,000 deductibles can save around $190 every year
• The average price for a good driver age 40 with $500 deductibles is $1,530
• Using pricier low deductibles for comp and collision coverage increases the price to $1,902
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,324 or more
• Policy cost to insure a teen driver for full coverage may cost $5,842 each year

Auto insurance rates for a Lexus RX 350 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your RX 350.

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

A more mature driver with a good driving record and higher deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $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 are likely paying at a minimum $1,800 to $2,500 in extra premium every year, depending on your age. Lexus RX 350 insurance for high-risk drivers ranges as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lexus RX 350 insurance prices. A good driver about age 40 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.

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted 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 More Affordable Lexus RX 350 Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below is a summary of the information covered above.

• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Teenage drivers are charged the highest rates, with premiums being up to $487 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,790 more each year for auto insurance
• Policyholders who require higher levels of liability will pay an extra $560 per year to raise limits from a 30/60 limit to a 250/500 level