Lexus RX 450h Insurance Rates

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

Average premium for full coverage: $1,524

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and RX 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below shows average Lexus RX 450h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $878
• Drivers who choose higher $1,000 deductibles will pay about $1,336 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,524
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,892
• High risk drivers who are prone to accidents and violations could pay at least $3,312
• Policy cost for full coverage for a teen driver can be $5,830 a year

Insurance rates for a Lexus RX 450h also range considerably based on your risk profile, the trim level of your RX 450h, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $5,800 a year. View Rates by Age

Your home state makes a big difference in Lexus RX 450h insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,170 on average in Michigan, Louisiana, and New York.

Using high physical damage deductibles could save up to $560 each year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $462 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

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 Find Low Cost Lexus RX 450h Insurance

Finding cheaper rates on Lexus RX 450h insurance not only requires having a decent driving record, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every time your policy renews by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following items are a review of the information touched on in this article.

• Drivers can save up to $180 per year just by quoting early and online
• 16 to 18-year-old drivers are charged the highest rates, costing up to $486 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $550 each year
• High-risk drivers who have several accidents or serious violations may be required to pay an average of $1,790 more every year than a driver with a clean driving record
• Drivers who may need additional liability coverage will pay an extra $570 each year to go from a 30/60 limit to 250/500 limits