Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,576 a year for full coverage insurance. Comprehensive costs on average $304, collision insurance costs $592, and liability costs $500. Liability-only coverage costs as little as $560 a year, and high-risk coverage costs around $3,424. Teen drivers pay the most at up to $5,980 a year.

Average premium for full coverage: $1,576

Premium estimates by type of coverage:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how location helps determine car insurance rates.

These rate differences illustrate why everyone should compare rates based on a specific location, instead of using price averages.

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

Additional Rate Details

The chart below illustrates average Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $904
• Drivers who choose higher $1,000 deductibles will pay around $204 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,576
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,972
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,424
• An auto insurance policy that insures a teen driver for full coverage may cost $5,980 a year

Insurance prices for a Lexus RX 350 also have a wide range based on the model of your RX 350, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,900 to $2,600 extra annually, depending on your age. Lexus RX 350 insurance for high-risk drivers can cost as much as 43% to 135% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $5,900 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus RX 350 insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,120 on average in Michigan, New York, and Florida.

Choosing high deductibles could save up to $600 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $450 more per year. View Rates by Deductible or Liability Limit

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 better rates on car insurance not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Shop around once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a condensed summary of the data that was covered in the charts and tables above.

• It is possible to save as much as $190 per year just by quoting online well ahead of the renewal date
• Policyholders who require increased levels of liability coverage will pay about $550 annually to go from 30/60 bodily injury limits to the 250/500 level
• Drivers age 20 and younger pay the highest prices, with premiums being up to $498 per month if full coverage is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,850 more each year to buy Lexus RX 350 insurance