Lexus RX 350 Insurance Rates

Estimated auto insurance rates for a Lexus RX 350 are $1,530 annually with full coverage. Comprehensive insurance costs an estimated $292 each year, collision costs $548, and liability insurance costs $510. A policy with only liability insurance costs as little as $568 a year, with a high-risk policy costing $3,324 or more. Teens pay the most at $5,842 a year or more.

Average premium for full coverage: $1,530

Premium estimates broken down by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $882
• Drivers who choose higher $1,000 deductibles will pay approximately $190 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,530
• Selecting low deductibles for comprehensive and collision insurance costs an additional $372 a year
• High risk drivers with serious driving violations could pay up to $3,324 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $5,842 a year

Car insurance prices for a Lexus RX 350 also have a wide range based on the model of your RX 350, your driving record, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $570 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lexus RX 350 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,070 on average in New York, Michigan, and Florida.

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every company calculates prices differently, so rate quotes will be substantially different between companies.

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 Best Lexus RX 350 Insurance

Finding better rates on Lexus RX 350 insurance not only requires avoiding accidents and violations, but also having a good credit score, being claim-free, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by requesting quotes from direct companies, and also from several local insurance agents.

The list below is a brief recap of the information covered above.

• You may be able to save approximately $180 per year simply by quoting online in advance
• Teenagers have the highest car insurance prices, possibly costing $487 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $550 each year
• High-risk drivers who tend to receive serious violations pay on average $1,790 more annually for car insurance
• Drivers who want higher liability limits will pay approximately $560 every year to go from 30/60 bodily injury limits to higher 250/500 limits