Lexus RX 450h Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 8, 2024
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Average insurance prices for a Lexus RX 450h are $1,462 every 12 months for full coverage insurance. Comprehensive costs an estimated $278, collision insurance costs $484, and liability is $520. Liability-only coverage costs around $576 a year, and high-risk coverage costs around $3,168. 16-year-old drivers receive the highest rates at up to $5,618 a year.
Average premium for full coverage: $1,462
Rate estimates broken down by individual coverage type:
Full coverage includes $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all RX 450h models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $576 for your basic liability-only policy to the much higher price of $3,168 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities. The example below illustrates how rural and urban location affects insurance prices.
These examples illustrate why everyone should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on rate averages.
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.
More Rate Information
The chart below illustrates average Lexus RX 450h insurance rates for other coverage scenarios.
- The best full coverage rate is $852
- Raising to $1,000 deductibles will save approximately $172 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,462
- Buying pricier low deductibles increases the price to $1,800
- Drivers with multiple tickets or accidents could pay up to $3,168
- The cost to insure a 16-year-old driver for full coverage can cost as much as $5,618
Car insurance rates for a Lexus RX 450h can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce rates by up to $510 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $5,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,700 to $2,400 extra per year, depending on your age. Lexus RX 450h insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Lexus RX 450h insurance prices. A middle-age driver might find rates as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,970 on average in Florida, New York, and Michigan.
| 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% |
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 |
| 2020 Lexus RX 450h | $314 | $618 | $500 | $1,612 |
| 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 Shop for More Affordable Lexus RX 450h Insurance
Saving money on insurance for a Lexus RX 450h consists of not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following is a summary of the coverage data raised in the charts and tables above.
- It is possible to save approximately $170 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $500 each year
- Teens have the highest car insurance rates, costing up to $468 per month if the policy includes full coverage
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,710 more annually for RX 450h insurance
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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