Lexus RX 450h Insurance Rates

The average insurance rates for a Lexus RX 450h are $1,462 a year including full coverage. Comprehensive costs an estimated $278, collision insurance costs $484, and liability coverage is estimated at $520. A liability-only policy costs approximately $576 a year, and high-risk insurance costs around $3,168. Teenage drivers cost the most to insure at up to $5,618 a year.

Average premium for full coverage: $1,462

Policy rates broken down by type of insurance:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different RX 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using average rates.

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

Additional Rate Analysis

The chart below breaks down average Lexus RX 450h insurance rates for other coverage scenarios.

• The best discount rate is $852
• Choosing higher $1,000 deductibles can save approximately $172 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,462
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,800
• Drivers who are prone to accidents and violations could pay up to $3,168
• Policy cost for full coverage for a teenage driver with full coverage can cost as much as $5,618 each year

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

An older driver with no driving violations and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus RX 450h insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,090 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles can save as much as $510 a year, while increasing your policy's liability limits will increase premiums. Changing 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 are likely paying $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

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 auto insurance takes having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Spend time shopping around every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a recap of the material that was touched on above.

• Consumers who want additional liability coverage will pay an extra $570 per year to raise limits from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $468 each month if full coverage is included
• Drivers that have major violations or accidents may pay on average $1,710 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $500 each year