Compare Lexus RX 350 Insurance Rates [Everything You Need to Know]

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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 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
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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?

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
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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
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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:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Pre-Collision System (PCS)
  • Lane Keep Assist Lane Keeping Assist
  • Lane Keep Assist Lane Departure Warning
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag and Rear Side-Impact Airbag
  • Rear Child Safety Locks
  • First Aid Kit
  • 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%
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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

You can save more money on your Lexus RX 350 auto insurance rates by employing any of the following three strategies.

  1. Ask About Lexus RX 350 Usage-Based Insurance
  2. Ask About Discounts If You Were Listed on Someone Else’s Lexus RX 350 Policy
  3. 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
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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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