Lexus RX 450h Insurance Rates

Estimated insurance prices for a Lexus RX 450h are $1,462 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $278, collision insurance costs $484, and liability coverage costs $520. Liability-only coverage costs as little as $576 a year, and high-risk coverage costs $3,168 or more. Teenage drivers pay the most at up to $5,618 a year.

Average premium for full coverage: $1,462

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all RX 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location and their own driving history, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $852
• Drivers who choose higher $1,000 deductibles will pay $172 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,462
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $338 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,168
• An auto insurance policy to insure a teenage driver for full coverage can cost $5,618 a year

Insurance prices for a Lexus RX 450h also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your RX 450h.

Using high physical damage deductibles could save up to $510 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,400 extra annually, depending on your age. Lexus RX 450h insurance for high-risk drivers can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Lexus RX 450h insurance rates. A 40-year-old driver could pay as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,970 on average in Florida, New York, and Michigan.

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 Shop for the Best Cheap Lexus RX 450h Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Make time to compare rates at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

Below is a quick review of the primary concepts that were touched on in this article.

• It is possible to save around $170 per year just by quoting online well ahead of the renewal date
• Drivers with a DUI or reckless driving violation may have to pay on average $1,710 more per year for auto insurance
• Increasing policy deductibles could save as much as $500 each year
• Teenage drivers are expensive to insure, with premiums being up to $468 per month if they have full coverage