Lexus RX 450h Insurance Rates

The average auto insurance rates for a Lexus RX 450h are $1,406 annually with full coverage. Comprehensive insurance costs approximately $260, collision insurance costs $446, and liability coverage costs $520. Liability-only coverage costs as little as $576 a year, and high-risk coverage costs $3,042 or more. 16-year-old drivers cost the most to insure at up to $5,438 a year.

Average premium for full coverage: $1,406

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different RX 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities. The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $823
• Drivers who choose higher $1,000 deductibles will pay $160 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,406
• Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $310 each year
• High-risk insureds with multiple tickets or accidents could pay around $3,042
• Policy cost with full coverage for a teenage driver with full coverage can cost $5,438 a year

Insurance rates for a Lexus RX 450h also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $470 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus RX 450h insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or at least $1,900 on average in New York, Michigan, and Florida.

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 Buy More Affordable Lexus RX 450h Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a summary of the primary concepts that were covered in the above illustrations.

• You may be able to save around $170 per year just by shopping early and online
• Drivers who have multiple accidents or major violations may pay on average $1,640 more per year for car insurance
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Teenagers are the costliest to insure, as much as $453 each month if they have full coverage