Best Lexus RX 350 Car Insurance Quotes (2024)
If you want to save money on your Lexus RX 350 insurance rates, then know that the average Lexus RX 350 insurance quote is $139 per month. The cost of Lexus RX 35 insurance will depend on your driving record and the age of your Lexus. Follow this guide and shop around to find cheap Lexus RX 350 insurance coverage.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 are around $145 more annually than the average vehicle with full coverage costing around $1,664 a year or $139 a month. Owners of an older Lexus RX 350 may opt for liability coverage only which costs around $667 a year or $56 a month.
Good drivers can save up to $686 a year in policy discounts. Let’s take a closer look at Lexus RX 350 insurance rates, crash test ratings, and more.
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 Lexus RX 350 auto insurance costs 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 Mercedes-Benz GLC 300, Jeep Compass, and Acura RDX.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus RX 350 | $376 | $688 | $420 | $1,664 |
| Mercedes-Benz GLC 300 | $412 | $810 | $390 | $1,770 |
| Jeep Compass | $294 | $500 | $372 | $1,324 |
| Acura RDX | $308 | $532 | $316 | $1,292 |
| Ford Explorer | $308 | $470 | $372 | $1,308 |
| Volvo XC90 | $346 | $600 | $390 | $1,494 |
| Buick Enclave | $348 | $594 | $372 | $1,472 |
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?
Even though the average annual rate for the Lexus RX 350 is $1,664, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Lexus RX 350.
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 |
Driver Age
Driver age can have a significant effect on Lexus RX 350 car insurance rates. For example, 30-year-old drivers pay $73 more for Lexus RX 350 car 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 $915 a year more than drivers in Phoenix.
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 car insurance 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
Lexus RX 350 crash test ratings will affect 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
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
The lower percentage means lower Lexus RX 350 auto insurance rates; higher percentages mean higher Lexus RX 350 car insurance rates. The Lexus RX 350’s insurance loss probability varies for each form 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
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 quotes from the best auto insurance companies using our FREE tool below.
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Ways to Save on Lexus RX 350 Insurance
Drivers can end up saving more money on their Lexus RX 350 car insurance rates by employing any one of the following strategies.
- Consider Using a Tracking Device on Your Lexus RX 350
- Watch Your Insurer Closely When Your Lexus RX 350 Needs Repairs
- Take Public Transit Instead of Driving Your Lexus RX 350
- Check Reviews and State Complaints Before You Choose an Insurer
- Ask About Discounts for People with Disabilities
Top Lexus RX 350 Insurance Companies
Who is the best 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 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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Frequently Asked Questions
What factors affect the cost of insurance for a Lexus RX 350?
There are several factors that can affect the cost of insurance for a Lexus RX 350, including the driver’s age, driving record, location, credit score, and the level of coverage they choose.
What type of coverage should I consider for my Lexus RX 350?
It is recommended that you have at least liability insurance, which covers damages or injuries you cause to others in an accident. However, you may also want to consider comprehensive and collision coverage to protect your own vehicle in the event of an accident or other damage.
Are there any discounts available for Lexus RX 350 car insurance?
Yes, many insurance companies offer discounts for features that come standard on the Lexus RX 350, such as anti-lock brakes, airbags, and electronic stability control. Additionally, some companies offer discounts for good driving habits, multiple policies, and for insuring multiple vehicles.
How can I find the best insurance rates for my Lexus RX 350?
The best way to find the best insurance rates for your Lexus RX 350 is to shop around and compare quotes from different insurance companies. You can also work with an insurance agent or broker who can help you find the best coverage and rates for your specific needs.
What should I do if I am involved in an accident with my Lexus RX 350?
If you are involved in an accident with your Lexus RX 350, the first thing you should do is make sure that everyone involved is safe and call emergency services if necessary. You should also exchange information with the other driver(s) involved, take photos of the damage, and contact your insurance company to report the accident and start the claims process.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.