Lexus RX 350 Insurance Rates

Estimated insurance rates for a Lexus RX 350 are $1,576 a year for full coverage insurance. Comprehensive insurance costs approximately $304, collision costs $592, and liability insurance costs around $500. A liability-only policy costs as low as $560 a year, with high-risk insurance costing $3,424 or more. 16-year-old drivers pay the most at $5,980 a year or more.

Average premium for full coverage: $1,576

Premium estimates by type of coverage:

Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different RX 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Lexus RX 350 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $904
• Using higher $1,000 deductibles will save $204 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,576
• Buying more expensive low deductibles for physical damage coverage will cost an extra $396 a year
• Drivers with multiple tickets or accidents could pay around $3,424 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can cost $5,980 or more

Auto insurance prices for a Lexus RX 350 also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,900 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus RX 350 insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,120 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles could cut prices by as much as $600 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $450 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,900 to $2,600 in extra premium annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted 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 the Best Lexus RX 350 Insurance

Finding better rates on Lexus RX 350 insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief recap of the ideas that were covered in the above illustrations.

• Teens have the highest car insurance prices, with premiums being up to $498 per month if they have full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,850 more per year for RX 350 insurance
• Increasing policy deductibles can save around $600 each year
• It is possible to save around $190 per year simply by shopping early and online