Lexus RX 350 Insurance Rates
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UPDATED: Apr 28, 2024
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Estimated insurance rates for a Lexus RX 350 are $1,598 a year for full coverage. Comprehensive costs on average $320, collision insurance costs $612, and liability insurance is $486. Liability-only insurance costs around $548 a year, and high-risk driver insurance costs around $3,470. 16-year-old drivers pay the most at up to $6,018 a year.
Average premium for full coverage: $1,598
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all RX 350 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lexus RX 350 range from as low as $548 for liability-only coverage to the much higher price of $3,470 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than congested cities. The example below illustrates how location helps determine car insurance rates.
These rate differences show why everyone should compare rates quotes based on a specific location and risk profile, rather than relying on rate averages.
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.
Additional Charts and Tables
The chart below shows average Lexus RX 350 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $916
- Raising to $1,000 deductibles will save around $210 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,598
- Buying pricier low deductibles will increase the cost to $2,014
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,470
- An auto insurance policy for full coverage for a teen driver for full coverage may cost $6,018
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 policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared 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 $1,050 a year in states like Idaho, Maine, and Iowa, or at least $2,280 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,444 | -$154 | -9.6% |
| Alaska | $1,226 | -$372 | -23.3% |
| Arizona | $1,326 | -$272 | -17.0% |
| Arkansas | $1,598 | -$0 | 0.0% |
| California | $1,820 | $222 | 13.9% |
| Colorado | $1,526 | -$72 | -4.5% |
| Connecticut | $1,642 | $44 | 2.8% |
| Delaware | $1,810 | $212 | 13.3% |
| Florida | $2,000 | $402 | 25.2% |
| Georgia | $1,476 | -$122 | -7.6% |
| Hawaii | $1,146 | -$452 | -28.3% |
| Idaho | $1,084 | -$514 | -32.2% |
| Illinois | $1,190 | -$408 | -25.5% |
| Indiana | $1,206 | -$392 | -24.5% |
| Iowa | $1,078 | -$520 | -32.5% |
| Kansas | $1,516 | -$82 | -5.1% |
| Kentucky | $2,180 | $582 | 36.4% |
| Louisiana | $2,368 | $770 | 48.2% |
| Maine | $988 | -$610 | -38.2% |
| Maryland | $1,318 | -$280 | -17.5% |
| Massachusetts | $1,276 | -$322 | -20.2% |
| Michigan | $2,774 | $1,176 | 73.6% |
| Minnesota | $1,338 | -$260 | -16.3% |
| Mississippi | $1,916 | $318 | 19.9% |
| Missouri | $1,416 | -$182 | -11.4% |
| Montana | $1,716 | $118 | 7.4% |
| Nebraska | $1,258 | -$340 | -21.3% |
| Nevada | $1,916 | $318 | 19.9% |
| New Hampshire | $1,154 | -$444 | -27.8% |
| New Jersey | $1,786 | $188 | 11.8% |
| New Mexico | $1,414 | -$184 | -11.5% |
| New York | $1,684 | $86 | 5.4% |
| North Carolina | $920 | -$678 | -42.4% |
| North Dakota | $1,310 | -$288 | -18.0% |
| Ohio | $1,102 | -$496 | -31.0% |
| Oklahoma | $1,640 | $42 | 2.6% |
| Oregon | $1,464 | -$134 | -8.4% |
| Pennsylvania | $1,522 | -$76 | -4.8% |
| Rhode Island | $2,132 | $534 | 33.4% |
| South Carolina | $1,450 | -$148 | -9.3% |
| South Dakota | $1,350 | -$248 | -15.5% |
| Tennessee | $1,396 | -$202 | -12.6% |
| Texas | $1,924 | $326 | 20.4% |
| Utah | $1,182 | -$416 | -26.0% |
| Vermont | $1,094 | -$504 | -31.5% |
| Virginia | $956 | -$642 | -40.2% |
| Washington | $1,234 | -$364 | -22.8% |
| West Virginia | $1,464 | -$134 | -8.4% |
| Wisconsin | $1,106 | -$492 | -30.8% |
| Wyoming | $1,424 | -$174 | -10.9% |
Opting for high physical damage deductibles can reduce prices by up to $630 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $438 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 a minimum $1,900 to $2,600 additional annually, depending on your age. Lexus RX 350 insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 350 2WD | $1,598 | $133 |
| Lexus RX 350 4WD | $1,598 | $133 |
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 |
|---|---|---|---|---|
| 2024 Lexus RX 350 | $376 | $688 | $420 | $1,664 |
| 2023 Lexus RX 350 | $358 | $660 | $440 | $1,638 |
| 2022 Lexus RX 350 | $344 | $656 | $450 | $1,630 |
| 2021 Lexus RX 350 | $332 | $640 | $470 | $1,622 |
| 2020 Lexus RX 350 | $320 | $612 | $486 | $1,598 |
| 2019 Lexus RX 350 | $304 | $592 | $500 | $1,576 |
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 More Affordable Lexus RX 350 Insurance
Finding better rates on Lexus RX 350 insurance consists of being safe and accident-free, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
Below you'll find a summary of the material that was covered in the charts and tables above.
- Drivers who require more liability protection will pay around $540 each year to raise from 30/60 bodily injury limits to 250/500 limits
- Youthful drivers pay higher prices, as much as $502 per month including comprehensive and collision insurance
- High-risk drivers who have multiple accidents or major violations will pay on average $1,870 more each year than a low-risk driver
- Increasing policy deductibles can save around $625 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,018 |
| 20 | $3,704 |
| 30 | $1,662 |
| 40 | $1,598 |
| 50 | $1,462 |
| 60 | $1,432 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,014 |
| $250 | $1,820 |
| $500 | $1,598 |
| $1,000 | $1,388 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,598 |
| 50/100 | $1,695 |
| 100/300 | $1,817 |
| 250/500 | $2,133 |
| 100 CSL | $1,744 |
| 300 CSL | $2,011 |
| 500 CSL | $2,206 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,592 |
| 20 | $5,902 |
| 30 | $3,546 |
| 40 | $3,470 |
| 50 | $3,314 |
| 60 | $3,286 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $85 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $73 |
| Advance Quote | $80 |
| Online Quote | $113 |
| Total Discounts | $682 |
Discounts are estimated and may not be available from every company or in every state.
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