Lexus RX 450h Insurance Rates

Estimated auto insurance rates for a Lexus RX 450h are $1,462 annually with full coverage. Comprehensive insurance costs on average $278, collision costs $484, and liability costs around $520. Liability-only insurance costs as low as $576 a year, with high-risk driver insurance costing $3,168 or more. Teenage drivers pay the most at $5,618 a year or more.

Average premium for full coverage: $1,462

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all RX 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities.

The example below illustrates how your location can change car insurance rates.

These rate differences demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

The chart below details estimated Lexus RX 450h insurance rates for different risk profiles and scenarios.

• The best discount rate is $852
• Using higher $1,000 deductibles will save around $172 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,462
• Using pricier low deductibles for physical damage coverage costs an additional $338 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,168 or more
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $5,618 or more

Insurance prices for a Lexus RX 450h also have a wide range based on the model of your RX 450h, your driving record, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $5,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,400 additional annually, depending on your age. Lexus RX 450h insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $510 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

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 $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,970 on average in Florida, Michigan, and New York.

With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and prices will be substantially different between companies.

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 the Best Lexus RX 450h Insurance

Finding better rates on insurance for a Lexus RX 450h requires being a good driver, having good credit, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by getting quotes from direct companies, and also from local independent and exclusive agents.

The following list is a brief recap of the material that was illustrated above.

• Insureds who require an increased level of liability coverage will pay an extra $570 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 16 to 20 pay higher prices, possibly costing $468 per month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,710 more each year than a safer driver
• Increasing policy deductibles could save up to $500 each year