Lexus RX 450h Insurance Rates
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UPDATED: Apr 8, 2024
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Estimated auto insurance rates for a Lexus RX 450h are $1,462 annually for full coverage. Comprehensive insurance costs around $278 a year, collision costs $484, and liability costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing $3,168 or more. Teenage drivers pay the most at $5,618 a year or more.
Average premium for full coverage: $1,462
Premium estimates for type of coverage:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and RX 450h trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Lexus RX 450h go from as cheap as $576 for minimum levels of liability insurance to a high of $3,168 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities.
The diagram below illustrates the effect of geographic area on auto insurance rates.
These rate differences show why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows estimated Lexus RX 450h insurance rates for additional coverage choices and driver risks.
- The best discount rate is $852
- Drivers who choose higher $1,000 deductibles will pay about $1,290 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,462
- Using low $100 deductibles for comprehensive and collision insurance costs an additional $338 every year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,168 or more
- An auto insurance policy with full coverage for a teen driver can be $5,618 a year
Auto insurance prices for a Lexus RX 450h also have a wide range based on the model of your RX 450h, your driver profile, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,700 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $510 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Lexus RX 450h insurance prices. A 40-year-old driver could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,090 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,322 | -$140 | -9.6% |
| Alaska | $1,122 | -$340 | -23.3% |
| Arizona | $1,214 | -$248 | -17.0% |
| Arkansas | $1,462 | -$0 | 0.0% |
| California | $1,666 | $204 | 14.0% |
| Colorado | $1,394 | -$68 | -4.7% |
| Connecticut | $1,502 | $40 | 2.7% |
| Delaware | $1,654 | $192 | 13.1% |
| Florida | $1,830 | $368 | 25.2% |
| Georgia | $1,350 | -$112 | -7.7% |
| Hawaii | $1,050 | -$412 | -28.2% |
| Idaho | $990 | -$472 | -32.3% |
| Illinois | $1,090 | -$372 | -25.4% |
| Indiana | $1,104 | -$358 | -24.5% |
| Iowa | $988 | -$474 | -32.4% |
| Kansas | $1,388 | -$74 | -5.1% |
| Kentucky | $1,994 | $532 | 36.4% |
| Louisiana | $2,166 | $704 | 48.2% |
| Maine | $902 | -$560 | -38.3% |
| Maryland | $1,206 | -$256 | -17.5% |
| Massachusetts | $1,168 | -$294 | -20.1% |
| Michigan | $2,538 | $1,076 | 73.6% |
| Minnesota | $1,224 | -$238 | -16.3% |
| Mississippi | $1,752 | $290 | 19.8% |
| Missouri | $1,296 | -$166 | -11.4% |
| Montana | $1,568 | $106 | 7.3% |
| Nebraska | $1,154 | -$308 | -21.1% |
| Nevada | $1,756 | $294 | 20.1% |
| New Hampshire | $1,054 | -$408 | -27.9% |
| New Jersey | $1,634 | $172 | 11.8% |
| New Mexico | $1,294 | -$168 | -11.5% |
| New York | $1,540 | $78 | 5.3% |
| North Carolina | $842 | -$620 | -42.4% |
| North Dakota | $1,198 | -$264 | -18.1% |
| Ohio | $1,008 | -$454 | -31.1% |
| Oklahoma | $1,502 | $40 | 2.7% |
| Oregon | $1,338 | -$124 | -8.5% |
| Pennsylvania | $1,394 | -$68 | -4.7% |
| Rhode Island | $1,950 | $488 | 33.4% |
| South Carolina | $1,324 | -$138 | -9.4% |
| South Dakota | $1,232 | -$230 | -15.7% |
| Tennessee | $1,278 | -$184 | -12.6% |
| Texas | $1,762 | $300 | 20.5% |
| Utah | $1,080 | -$382 | -26.1% |
| Vermont | $1,002 | -$460 | -31.5% |
| Virginia | $874 | -$588 | -40.2% |
| Washington | $1,128 | -$334 | -22.8% |
| West Virginia | $1,340 | -$122 | -8.3% |
| Wisconsin | $1,012 | -$450 | -30.8% |
| Wyoming | $1,302 | -$160 | -10.9% |
With such a large range in prices, the only way to know your exact price is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 450H Hybrid 2WD 4-Dr | $1,462 | $122 |
| Lexus RX 450H Hybrid 4WD 4-Dr | $1,462 | $122 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Lexus RX 450h | $344 | $668 | $470 | $1,662 |
| 2021 Lexus RX 450h | $332 | $640 | $486 | $1,638 |
| 2019 Lexus RX 450h | $302 | $574 | $510 | $1,566 |
| 2018 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
| 2017 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
| 2016 Lexus RX 450h | $260 | $446 | $520 | $1,406 |
Rates are averaged for all Lexus RX 450h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Lexus RX 450h Insurance
Finding better rates on car insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates at every other renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.
Below you'll find a brief recap of the concepts that were covered in the above illustrations.
- Higher risk drivers who tend to receive serious violations pay an average of $1,710 more every year than a low-risk driver
- Youthful drivers are expensive to insure, as much as $468 per month if full coverage is included
- Drivers can save up to $170 per year simply by quoting early and online
- Increasing policy deductibles could save up to $500 each year
- Drivers can save up to $170 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,618 |
| 20 | $3,372 |
| 30 | $1,510 |
| 40 | $1,462 |
| 50 | $1,338 |
| 60 | $1,312 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,800 |
| $250 | $1,642 |
| $500 | $1,462 |
| $1,000 | $1,290 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,462 |
| 50/100 | $1,566 |
| 100/300 | $1,696 |
| 250/500 | $2,034 |
| 100 CSL | $1,618 |
| 300 CSL | $1,904 |
| 500 CSL | $2,112 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,990 |
| 20 | $5,376 |
| 30 | $3,222 |
| 40 | $3,168 |
| 50 | $3,026 |
| 60 | $3,000 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $78 |
| Homeowner | $23 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $63 |
| Advance Quote | $70 |
| Online Quote | $103 |
| Total Discounts | $610 |
Discounts are estimated and may not be available from every company or in every state.
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