Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,530 a year including full coverage. Comprehensive insurance costs an estimated $292 a year, collision insurance costs $548, and liability is estimated at $510. Liability-only insurance costs approximately $568 a year, and high-risk driver insurance costs $3,324 or more. Teens pay the most at up to $5,842 a year.

Average premium for full coverage: $1,530

Premium estimates broken down by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and 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 the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why it is important to get quotes for a targeted area, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below breaks down average Lexus RX 350 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $882
• Choosing higher $1,000 deductibles can save approximately $1,340 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,530
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $372 annually
• Higher-risk drivers with serious driving violations could pay up to $3,324
• An auto insurance policy that insures a 16-year-old driver can cost as much as $5,842 each year

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

If you have a few violations or you caused an accident, you are likely paying $1,800 to $2,500 additional annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age

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 $1,170 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,180 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can save as much as $570 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 more each 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 More Affordable Lexus RX 350 Insurance

Finding better rates on insurance for a Lexus RX 350 takes having a decent driving record, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Compare rates at every policy renewal by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The following items are a summary of the data covered above.

• Insureds who want additional liability coverage will pay approximately $560 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
• You may be able to save approximately $180 per year just by quoting early and online
• Increasing policy deductibles can save approximately $550 each year
• 16 to 18-year-old drivers are expensive to insure, with the cost nearing $487 per month if comprehensive and collision insurance is included