Lexus RX 350 Insurance Rates

Estimated insurance prices for a Lexus RX 350 are $1,576 every 12 months for full coverage insurance. Comprehensive costs around $304, collision costs $592, and liability is estimated at $500. Liability-only coverage costs approximately $560 a year, with high-risk coverage costing around $3,424. Teenage drivers pay the most at $5,980 a year or more.

Average premium for full coverage: $1,576

Premium estimates for type of coverage:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Lexus RX 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $904
• Choosing higher $1,000 deductibles can save about $204 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,576
• Using more expensive low deductibles for comp and collision coverage increases the price to $1,972
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,424 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage can be $5,980 each year

Insurance prices for a Lexus RX 350 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $600 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $450 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,900 to $2,600 extra annually, depending on your age. High-risk driver insurance ranges from 43% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus RX 350 insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,120 on average in Michigan, New York, and Florida.

With such a large range in prices, the only way to figure out your exact price is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.

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 the Right Lexus RX 350 Insurance

Finding better rates on insurance for a Lexus RX 350 takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates at least once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a quick rundown of the primary concepts that were touched on in this article.

• It is possible to save up to $190 per year simply by shopping early and online
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,850 more every year for car insurance
• Increasing policy deductibles could save as much as $600 each year
• Teenagers pay higher prices, with premiums being up to $498 per month if they have full coverage