Lexus RX 450h Insurance Rates

The average insurance rates for a Lexus RX 450h are $1,462 a year including full coverage. Comprehensive insurance costs on average $278 a year, collision insurance costs $484, and liability is $520. Liability-only coverage costs around $576 a year, and high-risk coverage costs $3,168 or more. Teens cost the most to insure at up to $5,618 a year.

Average premium for full coverage: $1,462

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a 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.

Rates by State, City, and Model

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

• The cheapest rate after discounts is $852
• Raising to $1,000 deductibles will save around $1,290 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,462
• Selecting low $100 deductibles will cost an extra $338 annually
• Drivers with serious driving violations could pay upwards of $3,168
• Policy cost for full coverage for a 16-year-old driver may cost $5,618

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,600 a year. View Rates by Age

Your home state also has a big influence on Lexus RX 450h insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,090 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $510 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $468 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 are likely paying at a minimum $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than the average 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 the Best Lexus RX 450h Insurance

Finding cheaper rates on insurance for a Lexus RX 450h consists of avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the data covered in the above illustrations.

• Insureds who require higher liability limits will pay approximately $570 per year to raise from a 30/60 limit to 250/500 limits
• You may be able to save as much as $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $500 each year
• Teenagers pay higher rates, with premiums being up to $468 each month including comprehensive and collision insurance