Lexus RX 450h Insurance Rates

Estimated insurance rates for a Lexus RX 450h are $1,406 a year for full coverage. Comprehensive insurance costs an estimated $260, collision insurance costs $446, and liability insurance is $520. Liability-only coverage costs around $576 a year, and high-risk coverage costs $3,042 or more. Teens pay the most at up to $5,438 a year.

Average premium for full coverage: $1,406

Premium estimates broken down by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all RX 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences show why everyone should compare rates quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

The chart below shows average 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 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,406
• Selecting pricier low deductibles will cost an extra $310 a year
• Higher-risk drivers with serious driving violations could pay up to $3,042
• An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $5,438

Insurance prices for a Lexus RX 450h also have a wide range based on your driving characteristics, the trim level of your RX 450h, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus RX 450h insurance rates. A middle-age driver might find prices as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $470 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,700 to $2,300 extra annually, depending on your age. Lexus RX 450h insurance for high-risk drivers is expensive and can cost anywhere from 42% to 135% 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 better rates on Lexus RX 450h insurance consists of having a decent driving record, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a brief recap of the information covered above.

• Drivers can save approximately $170 per year just by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers are charged the highest prices, as much as $453 per month for full coverage
• Increasing policy deductibles can save around $475 each year
• High-risk drivers who tend to receive serious violations pay an average of $1,640 more annually than a driver with a clean driving record
• Drivers who want additional liability coverage will pay approximately $570 each year to raise from 30/60 bodily injury limits to 250/500 limits