How to Find Cheap Lexus RX 350 Insurance Quotes

Average Lexus RX 350 car insurance rates cost $1,664 a year, or around $139 a month. Finding Lexus RX 350 teenager insurance rates can cost on average $6,082 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 2020

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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 car insurance rates cost an average of $1,664 a year or $139 each month, but that can be reduced to $667 a year with a liability-only policy.

If you have a clean driving record, good drivers can save up to $686 every year on Lexus RX 350 insurance rates in the form of policy discounts.

Keep reading to learn all about Lexus RX 350 rates so you can compare policies with confidence.

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.

Lexus RX 350 Insurance Cost

The average auto insurance rates for a Lexus RX 350 cost $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 Lexus LX 570, Hyundai Santa Fe, and Dodge Durango.

Vehicle Comprehensive Collision Liability Total
Lexus RX 350 $376 $688 $420 $1,664
Lexus LX 570 $444 $834 $398 $1,834
Hyundai Santa Fe $294 $562 $372 $1,386
Dodge Durango $348 $562 $372 $1,440
Toyota Highlander $332 $512 $390 $1,392
Mitsubishi Outlander $306 $542 $332 $1,316
Volvo XC90 $346 $600 $390 $1,494
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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 will affect the total price you will pay for Lexus RX 350 insurance coverage.

Age of the Vehicle

Older Lexus RX 350 models generally cost less to insure. For example, auto insurance rates for a 2020 Lexus RX 350 are $1,664, while 2010 Lexus RX 350 rates 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
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Driver Age

Driver age can have a significant impact on the cost of Lexus RX 350 auto insurance. For example, 20-year-old drivers pay as much as $2,108 more each year for their Lexus RX 350 auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Lexus RX 350 insurance rates. For example, drivers in Los Angeles may pay $238 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Lexus RX 350 auto insurance. Teens and drivers in their 20’s see the highest jump in their Lexus RX 350 auto insurance rates with violations on their driving record.

Lexus RX 350 Safety Ratings

Your Lexus RX 350 auto insurance rates are tied to 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
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Lexus RX 350 Crash Test Ratings

Good Lexus RX 350 crash test ratings can lower your Lexus RX 350 auto insurance rates. See Lexus RX 350 crash test results below:

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
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Lexus RX 350 Safety Features

Most drivers don’t realize that not only do Lexus RX 350 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Lexus RX 350 auto insurance rates. The 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

Another contributing factor that affects Lexus RX 350 car insurance rates is the loss probability for 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
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Lexus RX 350 Finance and Insurance Cost

If you are 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 auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Lexus RX 350 Insurance

There are many ways that you can save on Lexus RX 350 car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Lexus RX 350 car insurance rates low.

  • Ask for a Higher Deductible for Your Lexus RX 350 Insurance Policy
  • Drive Your Lexus RX 350 Safely
  • Use an Accurate Job Title When Requesting Lexus RX 350 Auto Insurance
  • Choose Automatic Payments or EFT for Your Lexus RX 350 Insurance Policy
  • Save Money on Young Driver Lexus RX 350 Insurance By Mentioning Grades or GPA

Top Lexus RX 350 Insurance Companies

Who is the top auto insurance company for Lexus RX 350 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lexus RX 350 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lexus RX 350 offers.

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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