Lexus RX 450h Insurance Rates

The average auto insurance rates for a Lexus RX 450h are $1,524 annually including full coverage. Comprehensive insurance costs on average $290, collision costs $540, and liability costs around $514. Liability-only coverage costs as low as $572 a year, with high-risk coverage costing $3,312 or more. Teenage drivers cost the most to insure at $5,830 a year or more.

Average premium for full coverage: $1,524

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all RX 450h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down estimated Lexus RX 450h insurance rates for different risk profiles and scenarios.

• The best discount rate is $878
• Using higher $1,000 deductibles will save around $188 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,524
• Using pricier low deductibles for physical damage coverage costs an additional $368 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,312 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage may cost $5,830 or more

Insurance rates for a Lexus RX 450h also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,800 to $2,500 additional every year, depending on your age. Lexus RX 450h insurance for high-risk drivers can be from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $560 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $462 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus RX 450h insurance prices. A driver around age 40 might see rates as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,170 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Best Lexus RX 450h Insurance

Finding cheaper rates on insurance for a Lexus RX 450h requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief recap of the information touched on above.

• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Teenagers pay higher rates, with premiums being up to $486 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Drivers considered higher risk who tend to receive serious violations pay on average $1,790 more each year for car insurance
• Insureds who require higher liability limits will pay an extra $570 per year to increase from a 30/60 limit to higher 250/500 limits