Lexus RX 350 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 28, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $304
Collision $592
Liability $500

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

For a driver in their 40's, insurance rates for a Lexus RX 350 range from the low end price of $560 for minimum levels of liability insurance to the much higher price of $3,424 for a driver that may need high-risk insurance.

Liability Only $560
Full Coverage $1,576
High Risk $3,424

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.

Rural Areas $1,182
Small Cities $1,655
Large Cities $2,128

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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.

Lexus RX 350 Insurance Rates by State
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%

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

Lexus RX 350 Insurance Rates by Model and Trim Level
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.

Lexus RX 350 Insurance Rates by Model Year
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 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

Rates by Driver Age

Lexus RX 350 Insurance 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

Lexus RX 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,972
$250 $1,788
$500 $1,576
$1,000 $1,372

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 350 Insurance Rates with Different Liability Limits
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

Lexus RX 350 Insurance 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.

SR-22 Surcharge $223

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
Rate after discounts $904

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles