Affordable Lexus RX 350 Auto Insurance Quotes (2024)
Average Lexus RX 350 insurance rates are $139 a month, but you should shop around online to find cheap Lexus RX 350 insurance quotes. Your driving record and where you live will impact what you pay for Lexus RX 350 insurance coverage, and maintaining a good driving record is the easiest way to reduce your Lexus RX 350 insurance costs. Enter your ZIP code now to start comparing and see how much you can save.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jan 4, 2024
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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Jan 4, 2024
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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 costs $145 more per year than the average comparable vehicle. However, your Lexus RX 350 auto insurance rates don’t have to be expensive. It’s important to compare apples to apples as you review Lexus RX 350 auto insurance quotes, know the factors that will affect your Lexus RX 350 car insurance, and the safety features and discounts to ask for you. Let’s jump in.
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 car 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 Chevrolet Tahoe, Mitsubishi Outlander and Volvo XC60.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus RX 350 | $376 | $688 | $420 | $1,664 |
| Chevrolet Tahoe | $336 | $532 | $372 | $1,398 |
| Mitsubishi Outlander | $306 | $542 | $332 | $1,316 |
| Volvo XC60 | $306 | $536 | $338 | $1,316 |
| Dodge Journey | $322 | $532 | $372 | $1,384 |
| Jeep Grand Cherokee | $322 | $562 | $372 | $1,414 |
| Toyota 4Runner | $332 | $512 | $332 | $1,312 |
However, there are a few things you can do to find the cheapest Lexus insurance rates online.
Read more:
What Impacts the Cost of Lexus RX 350 Insurance?
You might have noticed that there is a multitude of factors that impact Lexus RX 350 car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the 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 the cost of Lexus RX 350 car insurance. For example, a 20-year-old driver could pay around $170 more each month for their Lexus RX 350 car insurance than 30-year-old driver.
Driver Location
Where you live can have a large impact on Lexus RX 350 insurance rates. For example, drivers in Phoenix may pay $915 a year less than drivers in Los Angeles.
Your Driving Record
Your driving record can have an impact on your Lexus RX 350 car insurance rates. 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 | G |
|---|---|
| Small overlap front: passenger-side | G |
| Moderate overlap front | G |
| Side | G |
| Roof strength | G |
| Head restraints and seats | G |
Lexus RX 350 Crash Test Ratings
Good Lexus RX 350 crash test ratings mean the VW is safer, which could mean cheaper Lexus RX 350 car insurance rates.
| Federal Government Crash Test Ratings | 2020 | 2019 | 2018 |
| Overall Rating | 5 | 5 | 5 |
|---|---|---|---|
| Frontal Crash | 4 | 4 | 4 |
| Side Crash | 5 | 5 | 5 |
| Rollover | 4 | 4 | 4 |
| Source: National Highway Traffic Safety Administration | |||
Lexus RX 350 Safety Features
The safety features of the Lexus RX 350 can impact your Lexus RX 350 car insurance rates. The Lexus RX 350 has the following safety features:
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Electronic Stability Control (ESC)
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ABS And Driveline Traction Control
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Side Impact Beams
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Dual Stage Driver And Passenger Seat-Mounted Side Airbags
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Pre-Collision System (PCS)
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Lane Keep Assist Lane Keeping Assist
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Lane Keep Assist Lane Departure Warning
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Low Tire Pressure Warning
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Dual Stage Driver And Passenger Front Airbags
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Curtain 1st And 2nd Row Airbags
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Airbag Occupancy Sensor
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Driver And Passenger Knee Airbag and Rear Side-Impact Airbag
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Rear Child Safety Locks
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First Aid Kit
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Outboard Front Lap And Shoulder Safety Belts
Lexus RX 350 Insurance Loss Probability
The Lexus RX 350’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Lexus RX 350, others are more favorable and lead to lower insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | 11% |
|---|---|
| Property Damage | -4% |
| Comprehensive | -9% |
| Personal Injury | -28% |
| Medical Payment | -3% |
| Bodily Injury | -12% |
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
You can save more money on your Lexus RX 350 auto insurance rates by employing any of the following three strategies.
- Ask About Lexus RX 350 Usage-Based Insurance
- Ask About Discounts If You Were Listed on Someone Else’s Lexus RX 350 Policy
- Ask About an Education, Group, or Employer Discounts
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: https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings | |||
Compare Free Lexus RX 350 Insurance Quotes Online
You can start comparing quotes for Lexus RX 350 insurance from some of the top car insurance companies by using our free online tool today.
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Frequently Asked Questions
Why is auto insurance for a Lexus RX 350 important?
Auto insurance is important for any vehicle, including the Lexus RX 350, because it provides financial protection in case of accidents, theft, or damage. It helps cover repair costs, medical expenses, and legal liabilities, offering peace of mind to the vehicle owner.
Is auto insurance for a Lexus RX 350 more expensive than for other vehicles?
The cost of auto insurance for a Lexus RX 350 can vary depending on several factors such as the driver’s age, driving history, location, and coverage options selected. While luxury vehicles like the Lexus RX 350 may have higher insurance premiums due to their higher value and repair costs, it is still possible to find affordable insurance options with proper research and comparison shopping.
How can I find affordable insurance for my Lexus RX 350?
To find affordable insurance for your Lexus RX 350, consider the following tips:
- Shop around and obtain quotes from multiple insurance companies.
- Maintain a clean driving record and consider taking defensive driving courses.
- Opt for higher deductibles, which can lower your premium.
- Bundle your auto insurance with other policies (e.g., home insurance) for potential discounts.
- Inquire about any available discounts for safety features on the Lexus RX 350, such as anti-theft systems or advanced driver assistance systems.
Are there specific insurance companies that offer affordable rates for a Lexus RX 350?
Insurance rates can vary between insurance companies, so it’s important to compare quotes from different providers. Some insurance companies may specialize in offering competitive rates for luxury vehicles like the Lexus RX 350. It’s recommended to research and consider both large national insurers and local or regional providers to find the best coverage and rates for your specific needs.
Does the model year of the Lexus RX 350 affect the insurance cost?
Yes, the model year of your Lexus RX 350 can impact the insurance cost. Generally, newer vehicles tend to have higher insurance premiums due to their higher value and replacement costs. Older models might have lower insurance rates, but factors like safety features, repair costs, and theft rates can still influence the premiums. It’s best to consult with insurance providers to get accurate quotes based on your specific Lexus RX 350 model year.
Compare over 200 auto insurance companies at once!
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance 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.