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 auto insurance rates for a Lexus RX 450h are $1,406 annually with full coverage. Comprehensive insurance costs an estimated $260, collision costs $446, and liability is $520. Liability-only coverage costs around $576 a year, with high-risk coverage costing $3,042 or more. Teens receive the highest rates at $5,438 a year or more.
Average premium for full coverage: $1,406
Rate estimates broken down by individual coverage type:
Estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all RX 450h models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $576 for just liability insurance to the much higher price of $3,042 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on insurance prices.
These examples demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.
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 Details
The chart below details estimated Lexus RX 450h insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $823
- Raising to $1,000 deductibles will save approximately $160 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,406
- Selecting pricier low deductibles costs an additional $310 annually
- Drivers with serious driving violations could pay up to $3,042 or more
- The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,438
Car insurance rates for a Lexus RX 450h can also vary considerably based on the trim level of your RX 450h, your driving record, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $5,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,700 to $2,300 extra per year, depending on your age. Lexus RX 450h insurance for high-risk drivers is expensive and can cost from 42% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $470 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Lexus RX 450h insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,900 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$138 | -9.8% |
| Alaska | $1,078 | -$328 | -23.3% |
| Arizona | $1,168 | -$238 | -16.9% |
| Arkansas | $1,406 | -$0 | 0.0% |
| California | $1,600 | $194 | 13.8% |
| Colorado | $1,340 | -$66 | -4.7% |
| Connecticut | $1,444 | $38 | 2.7% |
| Delaware | $1,590 | $184 | 13.1% |
| Florida | $1,756 | $350 | 24.9% |
| Georgia | $1,298 | -$108 | -7.7% |
| Hawaii | $1,008 | -$398 | -28.3% |
| Idaho | $952 | -$454 | -32.3% |
| Illinois | $1,046 | -$360 | -25.6% |
| Indiana | $1,060 | -$346 | -24.6% |
| Iowa | $950 | -$456 | -32.4% |
| Kansas | $1,334 | -$72 | -5.1% |
| Kentucky | $1,914 | $508 | 36.1% |
| Louisiana | $2,082 | $676 | 48.1% |
| Maine | $866 | -$540 | -38.4% |
| Maryland | $1,158 | -$248 | -17.6% |
| Massachusetts | $1,122 | -$284 | -20.2% |
| Michigan | $2,438 | $1,032 | 73.4% |
| Minnesota | $1,178 | -$228 | -16.2% |
| Mississippi | $1,684 | $278 | 19.8% |
| Missouri | $1,246 | -$160 | -11.4% |
| Montana | $1,508 | $102 | 7.3% |
| Nebraska | $1,108 | -$298 | -21.2% |
| Nevada | $1,686 | $280 | 19.9% |
| New Hampshire | $1,014 | -$392 | -27.9% |
| New Jersey | $1,570 | $164 | 11.7% |
| New Mexico | $1,242 | -$164 | -11.7% |
| New York | $1,482 | $76 | 5.4% |
| North Carolina | $810 | -$596 | -42.4% |
| North Dakota | $1,150 | -$256 | -18.2% |
| Ohio | $970 | -$436 | -31.0% |
| Oklahoma | $1,442 | $36 | 2.6% |
| Oregon | $1,286 | -$120 | -8.5% |
| Pennsylvania | $1,338 | -$68 | -4.8% |
| Rhode Island | $1,874 | $468 | 33.3% |
| South Carolina | $1,274 | -$132 | -9.4% |
| South Dakota | $1,186 | -$220 | -15.6% |
| Tennessee | $1,228 | -$178 | -12.7% |
| Texas | $1,692 | $286 | 20.3% |
| Utah | $1,038 | -$368 | -26.2% |
| Vermont | $962 | -$444 | -31.6% |
| Virginia | $842 | -$564 | -40.1% |
| Washington | $1,084 | -$322 | -22.9% |
| West Virginia | $1,286 | -$120 | -8.5% |
| Wisconsin | $972 | -$434 | -30.9% |
| Wyoming | $1,250 | -$156 | -11.1% |
With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, so rate quotes can be significantly 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 | $1,406 | $117 |
| Lexus RX 450H Hybrid 4WD 4-Dr | $1,406 | $117 |
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 | $332 | $640 | $486 | $1,638 |
| 2021 Lexus RX 450h | $314 | $618 | $500 | $1,612 |
| 2020 Lexus RX 450h | $302 | $574 | $510 | $1,566 |
| 2019 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
| 2018 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
| 2017 Lexus RX 450h | $260 | $446 | $520 | $1,406 |
| 2016 Lexus RX 450h | $250 | $418 | $524 | $1,372 |
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 Low Cost Lexus RX 450h Insurance
Saving money on insurance for a Lexus RX 450h consists of having a good driving record, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a review of the primary concepts that were covered above.
- You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,640 more annually to buy Lexus RX 450h insurance
- Increasing deductibles could save up to $475 each year
- Drivers age 20 and younger have the highest car insurance rates, with premiums as much as $453 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,240 |
| 30 | $1,448 |
| 40 | $1,406 |
| 50 | $1,286 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,716 |
| $250 | $1,572 |
| $500 | $1,406 |
| $1,000 | $1,246 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,406 |
| 50/100 | $1,510 |
| 100/300 | $1,640 |
| 250/500 | $1,978 |
| 100 CSL | $1,562 |
| 300 CSL | $1,848 |
| 500 CSL | $2,056 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,724 |
| 20 | $5,164 |
| 30 | $3,092 |
| 40 | $3,042 |
| 50 | $2,906 |
| 60 | $2,880 |
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 | $74 |
| Multi-vehicle | $75 |
| Homeowner | $23 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $59 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $583 |
Discounts are estimated and may not be available from every company or in every state.
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