Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,598 a year with full coverage. Comprehensive insurance costs on average $320 a year, collision costs $612, and liability coverage is $486. Liability-only coverage costs around $548 a year, with high-risk coverage costing $3,470 or more. Teenage drivers pay the most at $6,018 a year or more.

Average premium for full coverage: $1,598

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences demonstrate why it is important to compare rates quotes based on a specific location and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below details estimated Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The best discount rate is $916
• Raising to $1,000 deductibles will save around $1,388 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,598
• Using low $100 deductibles will cost an extra $416 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,470 or more
• An auto insurance policy for full coverage for a teenage driver may cost $6,018

Insurance prices for a Lexus RX 350 also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may only pay around $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 can expect to pay upwards of $6,000 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus RX 350 insurance rates. A middle-age driver might find prices as low as $1,150 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,160 on average in Florida, Michigan, and New York.

Using high physical damage deductibles can reduce prices by up to $630 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $438 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different from one company to the next.

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 Cheap Lexus RX 350 Insurance

Finding better rates on auto insurance consists of avoiding accidents and claims, maintaining good credit, being claim-free, and bundling your home and auto policies. Take the time to compare rates every couple of years by getting price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a brief summary of the material that was covered in the above illustrations.

• Consumers who require increased liability limits will pay an extra $540 every year to raise from 30/60 bodily injury limits to 250/500 limits
• Drivers under the age of 20 pay the highest prices, possibly costing $502 per month for full coverage
• Drivers that tend to have accidents or serious violations may be required to pay an average of $1,870 more each year to insure a Lexus RX 350
• Increasing policy deductibles can save around $625 each year