Lexus RX 350 Insurance Rates

Estimated insurance prices for a Lexus RX 350 are $1,576 every 12 months for full coverage. Comprehensive insurance costs on average $304 each year, collision insurance costs $592, and liability coverage is $500. Liability-only coverage costs around $560 a year, and high-risk coverage costs $3,424 or more. Teens pay the most at up to $5,980 a year.

Average premium for full coverage: $1,576

Premium estimates by type of coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and RX 350 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.

These rate differences show why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below shows average Lexus RX 350 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $904
• Raising to $1,000 deductibles will save around $204 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,576
• Selecting low deductibles costs an extra $396 each year
• Unlucky drivers with serious driving violations could pay upwards of $3,424
• An auto insurance policy to insure a teenage driver may cost $5,980

Insurance prices for a Lexus RX 350 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your RX 350.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $600 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $450 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher 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, since even excellent drivers can expect to pay upwards of $5,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 135% more than the average policy. View High Risk Driver Rates

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 $1,040 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,250 on average in Michigan, Louisiana, and New York.

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 Shop for Cheaper Lexus RX 350 Insurance

Finding better rates on auto insurance consists of being a low-risk driver, having good credit, not filing small claims, and determing if full coverage is necessary. Invest time comparing rates at every policy renewal by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

The items below are a condensed summary of the data covered in the charts and tables above.

• Consumers who require more liability coverage will pay approximately $550 each year to raise from 30/60 bodily injury limits to a 250/500 level
• Drivers can save as much as $190 per year just by quoting online in advance
• Increasing policy deductibles could save as much as $600 each year
• Teen drivers pay the highest prices, as much as $498 per month if they have full coverage