Lexus RX 450h Insurance Rates

The average insurance rates for a Lexus RX 450h are $1,406 a year for full coverage. Comprehensive insurance costs approximately $260, collision costs $446, and liability is estimated at $520. A liability-only policy costs approximately $576 a year, with high-risk insurance costing $3,042 or more. Teen drivers cost the most to insure at $5,438 a year or more.

Average premium for full coverage: $1,406

Policy rates by type of insurance:

These estimates include $500 deductible amounts, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different RX 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above show why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below shows estimated Lexus RX 450h insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $823
• Choosing higher $1,000 deductibles can save $160 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,406
• Choosing more expensive low deductibles for comp and collision coverage will cost an extra $310 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,042 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost $5,438 each year

Car insurance rates for a Lexus RX 450h also range considerably based on your risk profile, the trim level of your RX 450h, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus RX 450h insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,010 on average in New York, Louisiana, and Michigan.

Choosing high deductibles can save as much as $470 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges from 42% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 Cheap Lexus RX 450h Insurance

Finding cheaper rates on insurance for a Lexus RX 450h takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates every year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief summary of the coverage data presented in the illustrations above.

• Drivers can save around $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers age 20 and younger pay the highest auto insurance rates, costing up to $453 each month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,640 more per year to buy Lexus RX 450h insurance