Lexus RX 450h Insurance Rates

U.S. average insurance rates for a Lexus RX 450h are $1,462 a year for full coverage insurance. Comprehensive insurance costs approximately $278, collision costs $484, and liability is $520. Liability-only insurance costs around $576 a year, with high-risk driver insurance costing $3,168 or more. Teens pay the highest rates at $5,618 a year or more.

Average premium for full coverage: $1,462

Price estimates by individual coverage:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different RX 450h trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Lexus RX 450h insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $852
• Raising to $1,000 deductibles will save $172 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,462
• Selecting more expensive low deductibles will cost an extra $338 annually
• Drivers with serious driving violations could pay around $3,168 or more
• The price for full coverage for a 16-year-old driver with full coverage can cost $5,618

Car insurance prices for a Lexus RX 450h are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $5,600 a year. View Rates by Age

The state you live in also has a big influence on Lexus RX 450h insurance prices. A middle-age driver might find prices as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,970 on average in Florida, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $510 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Every auto insurance company calculates prices differently, so rate quotes may be quite different from one company to the next.

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 Cheaper Lexus RX 450h Insurance

Getting lower rates on insurance for a Lexus RX 450h consists of having a good driving record, having above-average credit, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a condensed summary of the data that was covered above.

• It is possible to save around $170 per year simply by shopping early and online
• Insureds who purchase increased levels of liability coverage will pay approximately $570 annually to raise from a low limit to 250/500 limits
• Drivers age 20 and younger pay the highest auto insurance prices, as much as $468 a month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,710 more per year to buy Lexus RX 450h insurance