Lexus RX 450h Insurance Rates

Estimated insurance rates for a Lexus RX 450h are $1,524 a year for full coverage insurance. Comprehensive insurance costs around $290, collision insurance costs $540, and liability costs around $514. A liability-only policy costs as low as $572 a year, and high-risk insurance costs $3,312 or more. Teenage drivers pay the most at up to $5,830 a year.

Average premium for full coverage: $1,524

Premium estimates for type of coverage:

Estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different RX 450h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code, instead of 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 choices and driver risks.

• The best discount rate is $878
• Using higher $1,000 deductibles will save about $188 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,524
• Using more expensive low deductibles for physical damage coverage will cost an additional $368 every year
• Drivers who are prone to accidents and violations could pay at least $3,312
• An auto insurance policy that insures a teen driver with full coverage can be $5,830 or more

Auto insurance prices for a Lexus RX 450h also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus RX 450h insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,060 on average in Michigan, New York, and Florida.

Using high physical damage deductibles could cut prices by as much as $560 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $462 extra every year. View Rates by Deductible or Liability Limit

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 Low Cost Lexus RX 450h Insurance

Finding better rates on car insurance requires having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices at least every other year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a review of the car insurance concepts touched on in this article.

• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,790 more every year to buy Lexus RX 450h insurance
• It is possible to save up to $180 per year just by shopping early and online
• Increasing policy deductibles can save approximately $550 each year
• Policyholders who may need increased levels of liability coverage will pay an extra $570 annually to increase from 30/60 bodily injury limits to the 250/500 level