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Lexus RX 350 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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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:

Comprehensive $358
Collision $660
Liability $440

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.

Liability Only $510
Full Coverage $1,638
High Risk $3,546

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.

Rural Areas $1,229
Small Cities $1,720
Large Cities $2,211

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

View Chart as Image

Lexus RX 350 insurance cost comparison chart
Column chart showing Lexus RX 350 insurance prices range from $938 to $6,052 for full coverage

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.

Lexus RX 350 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,482 -$156 -9.5%
Alaska $1,258 -$380 -23.2%
Arizona $1,362 -$276 -16.8%
Arkansas $1,638 -$0 0.0%
California $1,870 $232 14.2%
Colorado $1,564 -$74 -4.5%
Connecticut $1,682 $44 2.7%
Delaware $1,856 $218 13.3%
Florida $2,050 $412 25.2%
Georgia $1,514 -$124 -7.6%
Hawaii $1,176 -$462 -28.2%
Idaho $1,112 -$526 -32.1%
Illinois $1,220 -$418 -25.5%
Indiana $1,236 -$402 -24.5%
Iowa $1,106 -$532 -32.5%
Kansas $1,556 -$82 -5.0%
Kentucky $2,236 $598 36.5%
Louisiana $2,428 $790 48.2%
Maine $1,014 -$624 -38.1%
Maryland $1,354 -$284 -17.3%
Massachusetts $1,308 -$330 -20.1%
Michigan $2,848 $1,210 73.9%
Minnesota $1,372 -$266 -16.2%
Mississippi $1,966 $328 20.0%
Missouri $1,454 -$184 -11.2%
Montana $1,762 $124 7.6%
Nebraska $1,292 -$346 -21.1%
Nevada $1,966 $328 20.0%
New Hampshire $1,182 -$456 -27.8%
New Jersey $1,832 $194 11.8%
New Mexico $1,452 -$186 -11.4%
New York $1,728 $90 5.5%
North Carolina $944 -$694 -42.4%
North Dakota $1,342 -$296 -18.1%
Ohio $1,132 -$506 -30.9%
Oklahoma $1,682 $44 2.7%
Oregon $1,502 -$136 -8.3%
Pennsylvania $1,562 -$76 -4.6%
Rhode Island $2,188 $550 33.6%
South Carolina $1,486 -$152 -9.3%
South Dakota $1,384 -$254 -15.5%
Tennessee $1,434 -$204 -12.5%
Texas $1,974 $336 20.5%
Utah $1,212 -$426 -26.0%
Vermont $1,124 -$514 -31.4%
Virginia $982 -$656 -40.0%
Washington $1,266 -$372 -22.7%
West Virginia $1,504 -$134 -8.2%
Wisconsin $1,134 -$504 -30.8%
Wyoming $1,460 -$178 -10.9%

View Chart as Image

Lexus RX 350 insurance rates by U.S. city

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

Lexus RX 350 Insurance Rates by Model and Trim Level
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.

Lexus RX 350 Insurance Rates by Model Year
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.

Rates by Driver Age

Lexus RX 350 Insurance Rates by Driver Age
Driver Age Premium
16 $6,052
20 $3,784
30 $1,714
40 $1,638
50 $1,496
60 $1,468

Full coverage, $500 deductibles

Rates by Deductible

Lexus RX 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,090
$250 $1,882
$500 $1,638
$1,000 $1,408

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,638
50/100 $1,726
100/300 $1,836
250/500 $2,122
100 CSL $1,770
300 CSL $2,012
500 CSL $2,188

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus RX 350 Insurance Rates for High Risk Drivers
Age Premium
16 $8,650
20 $6,020
30 $3,630
40 $3,546
50 $3,382
60 $3,352

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 $229

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $87
Multi-vehicle $85
Homeowner $23
5-yr Accident Free $123
5-yr Claim Free $106
Paid in Full/EFT $77
Advance Quote $82
Online Quote $117
Total Discounts $700
Rate after discounts $938

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

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