Lexus RX 450h Insurance Rates

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UPDATED: Apr 8, 2024

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Estimated auto insurance rates for a Lexus RX 450h are $1,406 annually for full coverage insurance. Comprehensive insurance costs on average $260 a year, collision costs $446, and liability insurance costs $520. Liability-only insurance costs as little as $576 a year, with high-risk driver insurance costing $3,042 or more. 16-year-old drivers pay the most at $5,438 a year or more.

Average premium for full coverage: $1,406

Premium estimates by type of coverage:

Comprehensive $260
Collision $446
Liability $520

Prices are based on $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and RX 450h trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Lexus RX 450h go from as cheap as $576 for your basic liability-only policy to a high of $3,042 for coverage for higher-risk drivers.

Liability Only $576
Full Coverage $1,406
High Risk $3,042

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,055
Small Cities $1,476
Large Cities $1,898

These rate differences illustrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on rate 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.

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More Rate Information

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

  • The best full coverage rate is $823
  • Drivers who choose higher $1,000 deductibles will pay around $1,246 each year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,406
  • Buying low $100 deductibles for comprehensive and collision insurance costs an additional $310 a year
  • High risk drivers with multiple tickets or accidents could pay upwards of $3,042 or more
  • An auto insurance policy with full coverage for a teen driver may cost $5,438 a year

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

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $470 each year, while buying higher liability limits will cost you more. Switching 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 makes a big difference in Lexus RX 450h insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,900 on average in Michigan, New York, and Florida.

Lexus RX 450h Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,268 -$138 -9.8%
Alaska $1,078 -$328 -23.3%
Arizona $1,168 -$238 -16.9%
Arkansas $1,406 -$0 0.0%
California $1,600 $194 13.8%
Colorado $1,340 -$66 -4.7%
Connecticut $1,444 $38 2.7%
Delaware $1,590 $184 13.1%
Florida $1,756 $350 24.9%
Georgia $1,298 -$108 -7.7%
Hawaii $1,008 -$398 -28.3%
Idaho $952 -$454 -32.3%
Illinois $1,046 -$360 -25.6%
Indiana $1,060 -$346 -24.6%
Iowa $950 -$456 -32.4%
Kansas $1,334 -$72 -5.1%
Kentucky $1,914 $508 36.1%
Louisiana $2,082 $676 48.1%
Maine $866 -$540 -38.4%
Maryland $1,158 -$248 -17.6%
Massachusetts $1,122 -$284 -20.2%
Michigan $2,438 $1,032 73.4%
Minnesota $1,178 -$228 -16.2%
Mississippi $1,684 $278 19.8%
Missouri $1,246 -$160 -11.4%
Montana $1,508 $102 7.3%
Nebraska $1,108 -$298 -21.2%
Nevada $1,686 $280 19.9%
New Hampshire $1,014 -$392 -27.9%
New Jersey $1,570 $164 11.7%
New Mexico $1,242 -$164 -11.7%
New York $1,482 $76 5.4%
North Carolina $810 -$596 -42.4%
North Dakota $1,150 -$256 -18.2%
Ohio $970 -$436 -31.0%
Oklahoma $1,442 $36 2.6%
Oregon $1,286 -$120 -8.5%
Pennsylvania $1,338 -$68 -4.8%
Rhode Island $1,874 $468 33.3%
South Carolina $1,274 -$132 -9.4%
South Dakota $1,186 -$220 -15.6%
Tennessee $1,228 -$178 -12.7%
Texas $1,692 $286 20.3%
Utah $1,038 -$368 -26.2%
Vermont $962 -$444 -31.6%
Virginia $842 -$564 -40.1%
Washington $1,084 -$322 -22.9%
West Virginia $1,286 -$120 -8.5%
Wisconsin $972 -$434 -30.9%
Wyoming $1,250 -$156 -11.1%

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Lexus RX 450h Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lexus RX 450H Hybrid 2WD 4-Dr $1,406 $117
Lexus RX 450H Hybrid 4WD 4-Dr $1,406 $117

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.

Lexus RX 450h Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Lexus RX 450h $332 $640 $486 $1,638
2021 Lexus RX 450h $314 $618 $500 $1,612
2020 Lexus RX 450h $302 $574 $510 $1,566
2019 Lexus RX 450h $290 $540 $514 $1,524
2018 Lexus RX 450h $278 $484 $520 $1,462
2017 Lexus RX 450h $260 $446 $520 $1,406
2016 Lexus RX 450h $250 $418 $524 $1,372

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 Buy Affordable Lexus RX 450h Insurance

Finding better rates on Lexus RX 450h insurance not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to compare rates at least once a year by getting rate quotes from direct insurance companies, and also from local exclusive and independent agents.

The following is a brief review of the primary concepts that were covered above.

  • It is possible to save as much as $170 per year simply by quoting early and online
  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,640 more each year for RX 450h insurance
  • Increasing policy deductibles could save up to $475 each year
  • Teens pay higher prices, with premiums being up to $453 per month if they have full coverage

Rates by Driver Age

Lexus RX 450h Insurance Rates by Driver Age
Driver Age Premium
16 $5,438
20 $3,240
30 $1,448
40 $1,406
50 $1,286
60 $1,262

Full coverage, $500 deductibles

Rates by Deductible

Lexus RX 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,716
$250 $1,572
$500 $1,406
$1,000 $1,246

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 450h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,406
50/100 $1,510
100/300 $1,640
250/500 $1,978
100 CSL $1,562
300 CSL $1,848
500 CSL $2,056

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus RX 450h Insurance Rates for High Risk Drivers
Age Premium
16 $7,724
20 $5,164
30 $3,092
40 $3,042
50 $2,906
60 $2,880

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.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $75
Homeowner $23
5-yr Accident Free $97
5-yr Claim Free $90
Paid in Full/EFT $59
Advance Quote $67
Online Quote $98
Total Discounts $583
Rate after discounts $823

Discounts are estimated and may not be available from every company or in every state.

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