Lexus RX 450h Insurance Rates

The average insurance rates for a Lexus RX 450h are $1,406 a year for full coverage insurance. Comprehensive insurance costs on average $260 a year, collision costs $446, and liability insurance is $520. Liability-only coverage costs around $576 a year, with high-risk coverage 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:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and RX 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas.

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

The examples above illustrate why it is important to compare rates quotes based on a specific location, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $823
• Raising to $1,000 deductibles will save around $1,246 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,406
• Choosing low $100 deductibles will cost an additional $310 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,042 or more
• Policy cost that insures a teen driver may cost $5,438

Insurance rates for a Lexus RX 450h also range considerably based on the trim level of your RX 450h, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,400 a year. View Rates by Age

Your home state also has a big influence on Lexus RX 450h insurance rates. A middle-age driver might find rates as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,900 on average in Michigan, New York, and Florida.

Choosing high deductibles can reduce rates by up to $470 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates will be varied.

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 Cheapest Lexus RX 450h Insurance

Finding cheaper rates on Lexus RX 450h insurance consists of avoiding accidents and claims, having a good credit score, being claim-free, and insuring your home and auto with the same company. Shop around every other policy renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a recap of the ideas that were covered above.

• Drivers under the age of 20 pay higher rates, possibly costing $453 each month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents may pay on average $1,640 more each year to insure a Lexus RX 450h
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• It is possible to save as much as $170 per year simply by quoting early and online