Lexus RX 350 Insurance Rates

The average insurance rates for a Lexus RX 350 are $1,530 a year with full coverage. Comprehensive insurance costs on average $292, collision costs $548, and liability coverage is $510. Liability-only coverage costs around $568 a year, with high-risk coverage costing $3,324 or more. Teen 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:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all RX 350 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas.

The example below illustrates how location impacts car insurance rates.

The examples above demonstrate why everyone should compare rates quotes based on a specific location, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $882
• Raising to $1,000 deductibles will save around $190 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,530
• Choosing pricier low deductibles will cost an additional $372 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,324 or more
• Policy cost that insures a teenage driver for full coverage may cost $5,842

Insurance rates for a Lexus RX 350 also range considerably based on the model of your RX 350, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,800 to $2,500 additional every year, depending on your age. Lexus RX 350 insurance for high-risk drivers is expensive and can cost around 43% to 131% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,800 a year. View Rates by Age

Your home state also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find rates as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,070 on average in Florida, Michigan, and New York.

Choosing high deductibles can reduce rates by up to $570 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and 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 Find Cheaper Lexus RX 350 Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Shop around once a year by getting quotes from direct companies, and also from several local insurance agents.

The next list is a condensed summary of the data that was touched on above.

• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Consumers who require increased levels of liability coverage will pay about $560 every year to raise from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger pay higher rates, as much as $487 each month if comprehensive and collision insurance is included
• Drivers with multiple at-fault accidents pay on average $1,790 more each year to buy Lexus RX 350 insurance