Lexus RX 350 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 28, 2024
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Average auto insurance rates for a Lexus RX 350 are $1,576 annually with full coverage. Comprehensive costs approximately $304 each year, collision insurance costs $592, and liability coverage is $500. A policy with just liability insurance costs around $560 a year, and coverage for high-risk drivers costs around $3,424. 16-year-old drivers receive the highest rates at up to $5,980 a year.
Average premium for full coverage: $1,576
Rate estimates by individual coverage type:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and RX 350 models.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $560 for just liability insurance to a high rate of $3,424 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.
These examples demonstrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details average Lexus RX 350 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $904
- Raising to $1,000 deductibles will save $204 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,576
- Buying low deductibles will cost $1,972
- Unlucky drivers with multiple tickets or accidents could pay around $3,424
- The cost with full coverage for a teenage driver can cost $5,980
Insurance rates for a Lexus RX 350 can also vary considerably based on the trim level of your RX 350, your driving record, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,900 to $2,600 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $600 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $450 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find rates as low as $1,130 a year in states like Utah, Ohio, and New Hampshire, or at least $2,120 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,422 | -$154 | -9.8% |
| Alaska | $1,208 | -$368 | -23.4% |
| Arizona | $1,306 | -$270 | -17.1% |
| Arkansas | $1,576 | -$0 | 0.0% |
| California | $1,794 | $218 | 13.8% |
| Colorado | $1,502 | -$74 | -4.7% |
| Connecticut | $1,618 | $42 | 2.7% |
| Delaware | $1,784 | $208 | 13.2% |
| Florida | $1,970 | $394 | 25.0% |
| Georgia | $1,454 | -$122 | -7.7% |
| Hawaii | $1,128 | -$448 | -28.4% |
| Idaho | $1,066 | -$510 | -32.4% |
| Illinois | $1,170 | -$406 | -25.8% |
| Indiana | $1,186 | -$390 | -24.7% |
| Iowa | $1,062 | -$514 | -32.6% |
| Kansas | $1,494 | -$82 | -5.2% |
| Kentucky | $2,146 | $570 | 36.2% |
| Louisiana | $2,332 | $756 | 48.0% |
| Maine | $972 | -$604 | -38.3% |
| Maryland | $1,298 | -$278 | -17.6% |
| Massachusetts | $1,256 | -$320 | -20.3% |
| Michigan | $2,732 | $1,156 | 73.4% |
| Minnesota | $1,318 | -$258 | -16.4% |
| Mississippi | $1,886 | $310 | 19.7% |
| Missouri | $1,398 | -$178 | -11.3% |
| Montana | $1,692 | $116 | 7.4% |
| Nebraska | $1,242 | -$334 | -21.2% |
| Nevada | $1,890 | $314 | 19.9% |
| New Hampshire | $1,134 | -$442 | -28.0% |
| New Jersey | $1,760 | $184 | 11.7% |
| New Mexico | $1,392 | -$184 | -11.7% |
| New York | $1,658 | $82 | 5.2% |
| North Carolina | $906 | -$670 | -42.5% |
| North Dakota | $1,290 | -$286 | -18.1% |
| Ohio | $1,086 | -$490 | -31.1% |
| Oklahoma | $1,614 | $38 | 2.4% |
| Oregon | $1,442 | -$134 | -8.5% |
| Pennsylvania | $1,500 | -$76 | -4.8% |
| Rhode Island | $2,098 | $522 | 33.1% |
| South Carolina | $1,426 | -$150 | -9.5% |
| South Dakota | $1,330 | -$246 | -15.6% |
| Tennessee | $1,378 | -$198 | -12.6% |
| Texas | $1,896 | $320 | 20.3% |
| Utah | $1,164 | -$412 | -26.1% |
| Vermont | $1,078 | -$498 | -31.6% |
| Virginia | $942 | -$634 | -40.2% |
| Washington | $1,214 | -$362 | -23.0% |
| West Virginia | $1,442 | -$134 | -8.5% |
| Wisconsin | $1,090 | -$486 | -30.8% |
| Wyoming | $1,402 | -$174 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 350 2WD | $1,576 | $131 |
| Lexus RX 350 4WD | $1,576 | $131 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus RX 350 | $358 | $660 | $440 | $1,638 |
| 2023 Lexus RX 350 | $344 | $656 | $450 | $1,630 |
| 2022 Lexus RX 350 | $332 | $640 | $470 | $1,622 |
| 2021 Lexus RX 350 | $320 | $612 | $486 | $1,598 |
| 2020 Lexus RX 350 | $304 | $592 | $500 | $1,576 |
| 2019 Lexus RX 350 | $292 | $548 | $510 | $1,530 |
Rates are averaged for all Lexus RX 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheap Lexus RX 350 Insurance
Saving money on auto insurance consists of avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The points below are a brief summary of the information touched on above.
- You may be able to save around $190 per year just by quoting online in advance
- Drivers under the age of 20 are the costliest to insure, with premiums as much as $498 per month if they have full coverage
- Increasing deductibles could save up to $600 each year
- Drivers that tend to have accidents or serious violations may pay on average $1,850 more per year to insure a Lexus RX 350
- Consumers who purchase increased liability limits will pay around $550 every year to raise from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,980 |
| 20 | $3,658 |
| 30 | $1,638 |
| 40 | $1,576 |
| 50 | $1,440 |
| 60 | $1,412 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,972 |
| $250 | $1,788 |
| $500 | $1,576 |
| $1,000 | $1,372 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,576 |
| 50/100 | $1,676 |
| 100/300 | $1,801 |
| 250/500 | $2,126 |
| 100 CSL | $1,726 |
| 300 CSL | $2,001 |
| 500 CSL | $2,201 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,530 |
| 20 | $5,830 |
| 30 | $3,494 |
| 40 | $3,424 |
| 50 | $3,270 |
| 60 | $3,244 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $84 |
| Multi-vehicle | $84 |
| Homeowner | $24 |
| 5-yr Accident Free | $116 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $71 |
| Advance Quote | $78 |
| Online Quote | $112 |
| Total Discounts | $672 |
Discounts are estimated and may not be available from every company or in every state.
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