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Lexus RX 350 Insurance [List of Money Saving Tips]

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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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 15, 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 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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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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