Lexus RX 450h Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 8, 2024
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U.S. average insurance rates for a Lexus RX 450h are $1,462 a year for full coverage insurance. Comprehensive insurance costs around $278 a year, collision costs $484, and liability costs $520. Liability-only insurance costs as little as $576 a year, with high-risk driver insurance costing $3,168 or more. Teen drivers pay the highest rates at $5,618 a year or more.
Average premium for full coverage: $1,462
Price estimates for individual coverage:
Rates are based on $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and RX 450h trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Lexus RX 450h insurance prices go from the low end price of $576 for basic liability insurance to a high of $3,168 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can have significant affects on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The ranges above illustrate why it is important to compare rates for a specific zip code, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below illustrates estimated Lexus RX 450h insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $852
- Drivers who choose higher $1,000 deductibles will pay about $1,290 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,462
- Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $338 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,168 or more
- The price that insures a teen driver can be $5,618 a year
Car insurance prices for a Lexus RX 450h are also quite variable based on the trim level of your RX 450h, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $5,600 a year. View Rates by Age
The state you live in makes a big difference in Lexus RX 450h insurance prices. A 40-year-old driver could pay as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,970 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,322 | -$140 | -9.6% |
| Alaska | $1,122 | -$340 | -23.3% |
| Arizona | $1,214 | -$248 | -17.0% |
| Arkansas | $1,462 | -$0 | 0.0% |
| California | $1,666 | $204 | 14.0% |
| Colorado | $1,394 | -$68 | -4.7% |
| Connecticut | $1,502 | $40 | 2.7% |
| Delaware | $1,654 | $192 | 13.1% |
| Florida | $1,830 | $368 | 25.2% |
| Georgia | $1,350 | -$112 | -7.7% |
| Hawaii | $1,050 | -$412 | -28.2% |
| Idaho | $990 | -$472 | -32.3% |
| Illinois | $1,090 | -$372 | -25.4% |
| Indiana | $1,104 | -$358 | -24.5% |
| Iowa | $988 | -$474 | -32.4% |
| Kansas | $1,388 | -$74 | -5.1% |
| Kentucky | $1,994 | $532 | 36.4% |
| Louisiana | $2,166 | $704 | 48.2% |
| Maine | $902 | -$560 | -38.3% |
| Maryland | $1,206 | -$256 | -17.5% |
| Massachusetts | $1,168 | -$294 | -20.1% |
| Michigan | $2,538 | $1,076 | 73.6% |
| Minnesota | $1,224 | -$238 | -16.3% |
| Mississippi | $1,752 | $290 | 19.8% |
| Missouri | $1,296 | -$166 | -11.4% |
| Montana | $1,568 | $106 | 7.3% |
| Nebraska | $1,154 | -$308 | -21.1% |
| Nevada | $1,756 | $294 | 20.1% |
| New Hampshire | $1,054 | -$408 | -27.9% |
| New Jersey | $1,634 | $172 | 11.8% |
| New Mexico | $1,294 | -$168 | -11.5% |
| New York | $1,540 | $78 | 5.3% |
| North Carolina | $842 | -$620 | -42.4% |
| North Dakota | $1,198 | -$264 | -18.1% |
| Ohio | $1,008 | -$454 | -31.1% |
| Oklahoma | $1,502 | $40 | 2.7% |
| Oregon | $1,338 | -$124 | -8.5% |
| Pennsylvania | $1,394 | -$68 | -4.7% |
| Rhode Island | $1,950 | $488 | 33.4% |
| South Carolina | $1,324 | -$138 | -9.4% |
| South Dakota | $1,232 | -$230 | -15.7% |
| Tennessee | $1,278 | -$184 | -12.6% |
| Texas | $1,762 | $300 | 20.5% |
| Utah | $1,080 | -$382 | -26.1% |
| Vermont | $1,002 | -$460 | -31.5% |
| Virginia | $874 | -$588 | -40.2% |
| Washington | $1,128 | -$334 | -22.8% |
| West Virginia | $1,340 | -$122 | -8.3% |
| Wisconsin | $1,012 | -$450 | -30.8% |
| Wyoming | $1,302 | -$160 | -10.9% |
Choosing high deductibles could save up to $510 every year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out your exact price is to get quotes and see which company has the best price. Every company uses a different rate calculation, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 450H Hybrid 2WD 4-Dr | $1,462 | $122 |
| Lexus RX 450H Hybrid 4WD 4-Dr | $1,462 | $122 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Lexus RX 450h | $344 | $668 | $470 | $1,662 |
| 2021 Lexus RX 450h | $332 | $640 | $486 | $1,638 |
| 2020 Lexus RX 450h | $314 | $618 | $500 | $1,612 |
| 2019 Lexus RX 450h | $302 | $574 | $510 | $1,566 |
| 2018 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
| 2017 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
| 2016 Lexus RX 450h | $260 | $446 | $520 | $1,406 |
Rates are averaged for all Lexus RX 450h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Lexus RX 450h Insurance
Getting lower rates on car insurance not only requires having a good driving record, but also having a positive credit history, not filing small claims, and qualifying for all possible discounts. Shop around once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The next list is a quick review of the data that was raised in the charts and tables above.
- It is possible to save up to $170 per year simply by quoting early and online
- Policyholders who may need increased levels of liability coverage will pay about $570 annually to go from a low limit to the 250/500 level
- Drivers age 20 and younger are the costliest to insure, as much as $468 a month if full coverage is purchased
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,710 more every year to buy Lexus RX 450h insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,618 |
| 20 | $3,372 |
| 30 | $1,510 |
| 40 | $1,462 |
| 50 | $1,338 |
| 60 | $1,312 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,800 |
| $250 | $1,642 |
| $500 | $1,462 |
| $1,000 | $1,290 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,462 |
| 50/100 | $1,566 |
| 100/300 | $1,696 |
| 250/500 | $2,034 |
| 100 CSL | $1,618 |
| 300 CSL | $1,904 |
| 500 CSL | $2,112 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,990 |
| 20 | $5,376 |
| 30 | $3,222 |
| 40 | $3,168 |
| 50 | $3,026 |
| 60 | $3,000 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $78 |
| Homeowner | $23 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $63 |
| Advance Quote | $70 |
| Online Quote | $103 |
| Total Discounts | $610 |
Discounts are estimated and may not be available from every company or in every state.
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