Buy Cheap Lexus RX 350 Auto Insurance in 2024
Car insurance rates for a Lexus RX 350 average $1,664 a year, or around $139 a month. You can find cheap Lexus RX 350 insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $978 a year.
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
UPDATED: Jul 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,664 a year or $139 each month
- A liability-only policy costs around $667 a year or $56 each month
- Highest rates are for teenage drivers at around $6,082 a year or $507 each month
- Good drivers can save as much as $686 a year by earning policy discounts
- Lexus RX 350 insurance costs around $145 more per year than the average vehicle
Lexus RX 350 insurance rates for full coverage costs around $1,664 a year or $139 each month. Still, you may be able to find cheaper Lexus RX 350 auto insurance by comparing rates with several top car insurance companies. That can be time-consuming. Most people give up after just 2 or 3 companies. However, what if we gave the complete guide Lexus RX 350 insurance costs and an easy way to compare Lexus RX 350 insurance quotes?
Look no further. You can start comparing quotes for Lexus RX 350 car insurance rates from some of the best car insurance companies by using our free online tool now.
Table of Contents
Lexus RX 350 Insurance Cost
The average car insurance costs for a Lexus RX 350 are $1,664 a year or $139 a month.
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Are Lexus RX 350s Expensive to Insure?
The chart below details how Lexus RX 350 insurance rates compare to other SUVs like the Jeep Compass, GMC Acadia, and Ford Flex.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus RX 350 | $376 | $688 | $420 | $1,664 |
| Jeep Compass | $294 | $500 | $372 | $1,324 |
| GMC Acadia | $294 | $470 | $372 | $1,294 |
| Ford Flex | $332 | $566 | $398 | $1,454 |
| Nissan Armada | $306 | $536 | $338 | $1,316 |
| GMC Yukon XL | $362 | $562 | $372 | $1,454 |
| Chevrolet Suburban | $336 | $532 | $372 | $1,398 |
However, there are a few things you can do to find the cheapest Lexus insurance rates online.
What Impacts the Cost of Lexus RX 350 Insurance?
The Lexus RX 350 trim and model you choose can impact the total price you will pay for Lexus RX 350 auto insurance coverage.
Age of the Vehicle
The average Lexus RX 350 auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Lexus RX 350 costs $1,664, while 2010 Lexus RX 350 insurance costs are $1,346, a difference of $318.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Lexus RX 350 | $376 | $688 | $420 | $1,664 |
| 2019 Lexus RX 350 | $358 | $660 | $440 | $1,638 |
| 2018 Lexus RX 350 | $344 | $656 | $450 | $1,630 |
| 2017 Lexus RX 350 | $332 | $640 | $470 | $1,622 |
| 2016 Lexus RX 350 | $320 | $612 | $486 | $1,598 |
| 2015 Lexus RX 350 | $304 | $592 | $500 | $1,576 |
| 2014 Lexus RX 350 | $292 | $548 | $510 | $1,530 |
| 2013 Lexus RX 350 | $280 | $516 | $514 | $1,490 |
| 2012 Lexus RX 350 | $268 | $464 | $520 | $1,432 |
| 2011 Lexus RX 350 | $250 | $426 | $520 | $1,376 |
| 2010 Lexus RX 350 | $242 | $400 | $524 | $1,346 |
Driver Age
Driver age can have a significant impact on Lexus RX 350 auto insurance rates. As an example, a 40-year-old driver could pay $176 less each month for their Lexus RX 350 auto insurance compared to a 20-year-old driver.
Driver Location
Where you live can have a large impact on Lexus RX 350 insurance rates. For example, drivers in Los Angeles may pay $1,431 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of Lexus RX 350 car insurance. Teens and drivers in their 20’s see the highest jump in their Lexus RX 350 car insurance rates with violations on their driving record.
Lexus RX 350 Safety Ratings
Your Lexus RX 350 auto insurance rates are influenced by the Lexus RX 350’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Lexus RX 350 Crash Test Ratings
The crash test ratings of the Lexus RX 350 can impact your Lexus RX 350 car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Lexus RX 350L SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Lexus RX 350L SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Lexus RX 350 SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Lexus RX 350 SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Lexus RX 350 Safety Features
Having a variety of safety features on your Lexus RX 350 can help lower your insurance costs. According to AutoBlog, the 2020 Lexus RX 350’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- Rear Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
- Auto-Leveling Headlights
- Lane Departure Warning
- Lane Keeping Assist
Lexus RX 350 Insurance Loss Probability
The lower percentage means lower Lexus RX 350 car insurance rates; higher percentages mean higher Lexus RX 350 auto insurance rates. Insurance loss probability on the Lexus RX 350 fluctuates between each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | 11% |
|---|---|
| Property Damage | -4% |
| Comprehensive | -9% |
| Personal Injury | -28% |
| Medical Payment | -3% |
| Bodily Injury | -12% |
| Source: Insurance Institute for Highway Safety | |
Lexus RX 350 Finance and Insurance Cost
When financing a Lexus RX 350, most lenders will require your carry higher Lexus RX 350 coverage options including comprehensive coverage, so be sure to shop around and compare Lexus RX 350 car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Lexus RX 350 Insurance
You have more options at your disposal to save money on your Lexus RX 350 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Lexus RX 350 car insurance rates
- Reduce Modifications on Your Lexus RX 350
- Remove Unnecessary Insurance Once Your Lexus RX 350 is Paid Off
- Compare Insurance Companies After Moving
- Talk to Your Credit Card Company to Save on Rental Car Costs
- Ask About Usage-Based Insurance for Your Lexus RX 350
Top Lexus RX 350 Insurance Companies
The best auto insurance companies for Lexus RX 350 car insurance rates will offer competitive rates, discounts, and account for the Lexus RX 350’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
What factors can affect the cost of auto insurance for a Lexus RX 350?
Several factors can impact the cost of auto insurance for a Lexus RX 350, including the driver’s age, driving record, location, annual mileage, coverage options selected, and the deductible amount. Insurance companies also consider factors such as the car’s value, repair costs, safety features, and the likelihood of theft when determining the insurance premium.
Are there any specific insurance discounts available for a Lexus RX 350?
Insurance companies often offer various discounts that can help lower the cost of auto insurance for a Lexus RX 350. Some common discounts include safe driver discounts, multi-policy discounts (if you have multiple insurance policies with the same company), multi-car discounts (if you insure more than one vehicle with the same company), and discounts for safety features such as anti-theft systems or driver assistance technology.
How can I find cheap auto insurance for my Lexus RX 350?
To find affordable auto insurance for a Lexus RX 350, it’s recommended to shop around and compare quotes from different insurance providers. You can contact insurance agents directly, use online insurance comparison tools, or consult with an insurance broker who can help you find the best rates. It’s important to consider both the price and the coverage options provided to ensure you get the best value for your money.
Are there any specific insurance considerations for luxury vehicles like the Lexus RX 350?
Luxury vehicles like the Lexus RX 350 often have higher insurance rates compared to regular vehicles. This is due to factors such as higher repair costs, higher market value, and increased risk of theft. It’s important to consider comprehensive coverage, which can protect your vehicle from theft, vandalism, and other non-collision incidents. Additionally, maintaining a good driving record and taking advantage of available discounts can help reduce insurance costs.
What are the recommended coverage options for insuring a Lexus RX 350?
The recommended coverage options for insuring a Lexus RX 350 are liability coverage, collision coverage, and comprehensive coverage. Liability coverage is typically required by law and helps cover costs associated with injuries or property damage to others in an accident. Collision coverage helps pay for damages to your vehicle if you collide with another vehicle or object. Comprehensive coverage protects your vehicle from non-collision incidents such as theft, vandalism, or natural disasters.
Can the location where I live impact the cost of insuring a Lexus RX 350?
Yes, the location where you live can affect the cost of insuring a Lexus RX 350. Insurance companies consider factors such as population density, crime rates, and the likelihood of accidents or theft in your area when determining insurance premiums. If you live in an area with higher risks, such as a densely populated city or an area with a high crime rate, you may have higher insurance rates compared to someone living in a rural or low-risk area.
How can I lower my insurance premium for a Lexus RX 350?
There are several ways to potentially lower your insurance premium for a Lexus RX 350. These include maintaining a clean driving record, bundling your auto insurance with other policies, opting for a higher deductible (if financially feasible), taking advantage of available discounts, and considering usage-based or pay-as-you-go insurance programs if offered by your insurance provider. Additionally, improving your credit score and completing defensive driving courses may also help reduce your insurance costs.
Compare Quotes From Top Companies and Save
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.