How Much is Insurance on a Lexus RX 350?

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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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.

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
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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 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
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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
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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
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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
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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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