Lexus RX 350 Insurance Rates

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UPDATED: Apr 28, 2024

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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:

Comprehensive $304
Collision $592
Liability $500

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.

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

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.

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

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.

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%

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

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 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

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.

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