Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 18, 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 $145 more than the average vehicle. You pay as much as $139 per month for Lexus RX 350 insurance rates. However, you can save $83 on Lexus RX 350 insurance rates if you get liability-only coverage. Learn more about how you save money on Lexus RX 350 insurance rates in this vehicle guide.

You can start comparing quotes for Lexus RX 350 auto insurance rates from some of the best auto 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 Mitsubishi Outlander, Chevrolet Suburban, and Honda Pilot.

Vehicle Comprehensive Collision Liability Total
Lexus RX 350 $376 $688 $420 $1,664
Mitsubishi Outlander $306 $542 $332 $1,316
Chevrolet Suburban $336 $532 $372 $1,398
Honda Pilot $336 $470 $372 $1,336
Buick Encore $322 $562 $372 $1,414
Mercedes-Benz GLE 350 $438 $870 $390 $1,856
Lexus LX 570 $444 $834 $398 $1,834
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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

Older Lexus RX 350 models generally cost less to insure. 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 the cost of Lexus RX 350 auto insurance. For example, 20-year-old drivers pay as much as $2,108 more each year for their Lexus RX 350 auto 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 $238 a year more than drivers in Houston.

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 auto 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
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 auto 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 Lexus RX 350 insurance costs. 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 Lexus RX 350’s insurance loss probability varies between different coverage types. The lower percentage means lower Lexus RX 350 auto insurance costs; higher percentages mean higher Lexus RX 350 auto insurance costs.

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

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 companies using our FREE tool below.

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5 Ways to Save on Lexus RX 350 Insurance

Drivers can end up saving more money on their Lexus RX 350 auto insurance rates by employing any one of the following strategies.

  • Carpool to Work Instead of Driving Your Lexus RX 350
  • Be Picky About Who Drives Your Lexus RX 350
  • Tell Your Insurer About Different Drivers or Uses for Your Lexus RX 350
  • Ask About Seasonal Insurance for Your Lexus RX 350
  • Avoid the Temptation to File a Claim for Minor Incidents

Top Lexus RX 350 Insurance Companies

Several insurance companies offer competitive rates for the Lexus RX 350 based on factors like discounts for safety features. Take a look at these top auto insurance companies that are popular with Lexus RX 350 drivers organized by 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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Compare Free Lexus RX 350 Insurance Quotes Online

You can start comparing quotes for Lexus RX 350 insurance from some of the top auto insurance companies by using our free online tool today.