Lexus RX 450h Insurance Rates

The average insurance rates for a Lexus RX 450h are $1,462 a year for full coverage. Comprehensive insurance costs around $278, collision insurance costs $484, and liability costs $520. Liability-only coverage costs as little as $576 a year, and high-risk coverage costs $3,168 or more. Teens cost the most to insure at up to $5,618 a year.

Average premium for full coverage: $1,462

Policy rates for type of insurance:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different RX 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code, instead of using averaged prices.

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

Additional Rate Information

The chart below shows average Lexus RX 450h insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $852
• Drivers who choose higher $1,000 deductibles will pay about $172 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,462
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $338 every year
• Higher-risk drivers with serious driving violations could pay at least $3,168
• Policy cost that insures a teen driver with full coverage can be $5,618 a year

Insurance rates for a Lexus RX 450h also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,700 to $2,400 additional every year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,600 a year. View Rates by Age

Your home state 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 Idaho, Maine, and Iowa, or have to pay at least $2,090 on average in Michigan, Louisiana, and New York.

Choosing higher comprehensive and collision insurance deductibles could save up to $510 every year, while increasing your policy's liability limits will increase rates. Going 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

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 Low Cost Lexus RX 450h Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates at every policy renewal by getting quotes from direct carriers, and also from several local insurance agents.

Below you'll find a review of the data touched on in this article.

• Policyholders who may need more liability protection will pay approximately $570 each year to go from a 30/60 limit to the 250/500 level
• Drivers can save up to $170 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Youthful drivers are charged the highest rates, costing up to $468 each month if comprehensive and collision insurance is included