Lexus RX 350 4WD Insurance Rates

Average insurance rates for a Lexus RX 350 4WD are $1,670 a year including full coverage. Comprehensive insurance costs an estimated $382, collision insurance costs $698, and liability insurance costs around $410. Only liability insurance costs as low as $486 a year, and high-risk insurance costs $3,606 or more. Teenage drivers receive the highest rates at up to $6,094 a year.

Annual premium for full coverage: $1,670

Rate estimates broken down by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Lexus RX 350 Trim Level

These differences highlight why everyone should compare prices for a targeted area, rather than relying on average rates.

Use the form below to get rates for your location.

Insurance rates for a Lexus RX 350 4WD can also vary considerably based on the replacement cost of your RX 350, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $2,000 to $2,700 extra per year, depending on your age. Lexus RX 350 4WD insurance for high-risk drivers can be anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $6,000 a year. View Rates by Age

Where you live has a huge impact on Lexus RX 350 4WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $730 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $369 more per year. View Rates by Deductible or Liability Limit

With so much variability in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so the rates can be significantly different.

View Chart as Image

The chart above shows average Lexus RX 350 4WD insurance prices for various risks and coverage choices. The lowest price with discounts is $955. Drivers who use higher $1,000 deductibles will pay $1,424. The average price for a driver around age 40 using $500 deductibles is $1,670. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $2,148. Drivers with multiple violations and accidents could be charged as much as $3,606. The rate for full coverage for a teenage driver can be as high as $6,094.

View Chart as Image