Lexus RX 350 Insurance Rates
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UPDATED: Apr 9, 2020
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If you are curious to know more about insurance for a Lexus RX 350, this article is for you. You may be asking “Is a Lexus IS250 expensive to insure?” Drivers pay an average of $1,664 for Lexus RX 350 full coverage, which amounts to a $139 monthly bill.
Your Lexus RX 350 insurance rates will vary on a variety of factors such as your age, location, and personal driving record. In order to help you discover what your rates will look like, be sure to read through the helpful information contained in this guide.
Once you’re ready, enter your five-digit ZIP code into our free quote tool to start comparing rates from top companies.
Estimated insurance rates for a Lexus RX 350 are $1,638 a year for full coverage. Comprehensive insurance costs around $358 a year, collision insurance costs $660, and liability is $440. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $3,546 or more. Teenage drivers pay the most at up to $6,052 a year.
Average premium for full coverage: $1,638
Premium estimates for type of coverage:
Rates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and RX 350 trim levels.
Insurance Price Range by Risk and Coverage
For a middle-aged driver, insurance rates for a Lexus RX 350 range from as low as $510 for just liability insurance to a high of $3,546 for a high risk driver.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates the effect of location on auto insurance rates.
These rate differences show why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based on average rates.
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.
More Rate Details
The chart below shows average Lexus RX 350 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $938
- Raising to $1,000 deductibles will save about $1,408 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,638
- Using low $100 deductibles will cost an extra $452 annually
- Drivers who are prone to accidents and violations could pay at least $3,546
- An auto insurance policy for full coverage for a 16-year-old driver can be $6,052
Insurance prices for a Lexus RX 350 also have a wide range based on your driving characteristics, the trim level of your RX 350, and deductibles and policy limits.
Older drivers with no violations or accidents and high deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $6,000 a year. View Rates by Age
Where you choose to live also has a big influence on Lexus RX 350 insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,340 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Using high physical damage deductibles can reduce prices by up to $690 annually, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $396 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,900 to $2,600 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Lexus RX 350 2WD||$1,638||$137|
|Lexus RX 350 4WD||$1,638||$137|
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|
|2020 Lexus RX 350||$358||$660||$440||$1,638|
|2019 Lexus RX 350||$344||$656||$450||$1,630|
|2018 Lexus RX 350||$332||$640||$470||$1,622|
|2017 Lexus RX 350||$320||$612||$486||$1,598|
|2016 Lexus RX 350||$304||$592||$500||$1,576|
|2015 Lexus RX 350||$292||$548||$510||$1,530|
|2014 Lexus RX 350||$280||$516||$514||$1,490|
|2013 Lexus RX 350||$268||$464||$520||$1,432|
|2012 Lexus RX 350||$250||$426||$520||$1,376|
|2011 Lexus RX 350||$242||$400||$524||$1,346|
|2010 Lexus RX 350||$236||$374||$534||$1,324|
|2009 Lexus RX 350||$218||$346||$534||$1,278|
|2008 Lexus RX 350||$212||$314||$540||$1,246|
|2007 Lexus RX 350||$198||$288||$534||$1,200|
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 insurance for a Lexus RX 350 consists of avoiding accidents and claims, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to shop around at least every two years by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The points below are a summary of the information that was covered in this article.
- Increasing policy deductibles can save around $675 each year
- Drivers can save up to $200 per year just by quoting early and online
- Insureds who may need increased liability limits will pay an extra $480 each year to raise from 30/60 bodily injury limits to 250/500 limits
- Drivers under the age of 20 are charged the highest prices, as much as $504 per month including comprehensive and collision insurance
- Drivers considered higher risk that have multiple accidents or serious violations may be required to pay an average of $1,910 more every year to insure a Lexus RX 350
As you can see from the information we’ve gone over to this point, there are several moving parts that ultimately determine Lexus RX costs. Take advantage of our free online quote tool below to start comparing Lexus RX 350 rates from several companies.
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What are the safety ratings of the Lexus RX 350?
When quoting a driver, insurance companies will look at the safety features and ratings of the model you drive in order to determine the risk of injury to you as well as the risk of damage to your Lexus RX 350.
Take a look at the following safety ratings of the Lexus RX 350 as determined by the Insurance Institute for Highway Safety.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
As you can see from these crash test results, the Lexus RX 350 received the highest mark possible in all six categories. Furthermore, the Lexus RX 350 was named as a Top Safety Pick when equipped with the Triple-Beam LED Headlamps package.
Lexus RX 350 Compared Against Other Vehicles in the Same Class
The Insurance Institute for Highway Safety classifies the Lexus RX 350 as a midsize luxury SUV.
If you are curious to know how the Lexus RX 350 stacks up to other similar models, take a look at the following three models. Each page provides information on the insurance rates for each comparable SUV so you can cross-reference them with the Lexus RX 350.
Now that we have gone into great detail about Lexus RX 350 insurance costs, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Lexus RX 350 quotes from top companies today.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$123|
|5-yr Claim Free||$106|
|Paid in Full/EFT||$77|
Discounts are estimated and may not be available from every company or in every state.