Lexus RX 350 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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.
Average insurance rates for a Lexus RX 350 are $1,576 a year including full coverage. Comprehensive insurance costs an estimated $304 a year, collision insurance costs $592, and liability is $500. A policy with just liability insurance costs around $560 a year, and coverage for high-risk drivers costs $3,424 or more. 16-year-old drivers receive the highest rates at up to $5,980 a year.
Average premium for full coverage: $1,576
Rate estimates broken down by individual coverage type:
Prices include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and RX 350 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $560 for liability-only coverage to a high of $3,424 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.
These examples highlight why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on 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.
Additional Charts and Tables
The chart below breaks down average Lexus RX 350 insurance rates for other coverage scenarios.
- The best full coverage rate is $904
- Raising to $1,000 deductibles will save approximately $1,372 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,576
- Buying low $100 deductibles will cost an extra $396 annually
- Drivers with multiple tickets or accidents could pay up to $3,424
- The cost for full coverage for a 16-year-old driver can cost as much as $5,980
Insurance rates for a Lexus RX 350 can also vary considerably based on your driver profile, the model of your RX 350, and liability limits and deductibles.
Older drivers with no violations or accidents and high deductibles may pay as low as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $5,900 a year. View Rates by Age
Where you live also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find rates as low as $1,210 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,250 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $600 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $450 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 135% more than the average rate. View High Risk Driver Rates
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 Find the Right Lexus RX 350 Insurance
Saving money on insurance for a Lexus RX 350 consists of being a good driver, having a good credit history, not filing small claims, and possibly raising deductibles. Make time to compare rates every couple of years by requesting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The following list is a quick rundown of the material that was touched on in this article.
- Insureds who want an increased level of liability coverage will pay around $550 per year to raise from a minimum limit to 250/500 limits
- Drivers age 16 to 20 are expensive to insure, as much as $498 per month including comprehensive and collision insurance
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,850 more annually than a safer driver
- Increasing deductibles can save around $600 each year
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
