Lexus RX 450h Insurance Rates

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2016 Lexus RX 450h Car Insurance Quotes in 2025 – 10 Ways to Save

Trying to find cheaper insurance coverage rates for your Lexus RX 450h? I doubt anyone looks forward to paying for insurance coverage, especially knowing they could find lower prices if they just compared rates. Due to the increasing number of online and local companies to choose from, it's nearly impossible to find a more affordable insurance coverage provider. Find hidden discounts on car insura...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 8, 2024

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Estimated auto insurance rates for a Lexus RX 450h are $1,462 annually with full coverage. Comprehensive insurance costs on average $278, collision costs $484, and liability costs around $520. Liability-only insurance costs as low as $576 a year, with high-risk driver insurance costing $3,168 or more. Teenage drivers pay the most at $5,618 a year or more.

Average premium for full coverage: $1,462

Premium estimates by type of coverage:

Comprehensive $278
Collision $484
Liability $520

Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all RX 450h models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Lexus RX 450h go from as cheap as $576 for your basic liability-only policy to the much higher price of $3,168 for high-risk insurance.

Liability Only $576
Full Coverage $1,462
High Risk $3,168

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities.

The example below illustrates how your location can change car insurance rates.

Rural Areas $1,097
Small Cities $1,535
Large Cities $1,974

These rate differences demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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.

More Rate Information

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

  • The best discount rate is $852
  • Using higher $1,000 deductibles will save around $172 annually
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,462
  • Using pricier low deductibles for physical damage coverage costs an additional $338 annually
  • High-risk insureds who are prone to accidents and violations could pay upwards of $3,168 or more
  • An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $5,618 or more

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $5,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,400 additional annually, depending on your age. Lexus RX 450h insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $510 annually, whereas buying more liability protection will cost you more. Moving 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 has a huge impact on Lexus RX 450h insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,970 on average in Florida, Michigan, and New York.

Lexus RX 450h Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,322 -$140 -9.6%
Alaska $1,122 -$340 -23.3%
Arizona $1,214 -$248 -17.0%
Arkansas $1,462 -$0 0.0%
California $1,666 $204 14.0%
Colorado $1,394 -$68 -4.7%
Connecticut $1,502 $40 2.7%
Delaware $1,654 $192 13.1%
Florida $1,830 $368 25.2%
Georgia $1,350 -$112 -7.7%
Hawaii $1,050 -$412 -28.2%
Idaho $990 -$472 -32.3%
Illinois $1,090 -$372 -25.4%
Indiana $1,104 -$358 -24.5%
Iowa $988 -$474 -32.4%
Kansas $1,388 -$74 -5.1%
Kentucky $1,994 $532 36.4%
Louisiana $2,166 $704 48.2%
Maine $902 -$560 -38.3%
Maryland $1,206 -$256 -17.5%
Massachusetts $1,168 -$294 -20.1%
Michigan $2,538 $1,076 73.6%
Minnesota $1,224 -$238 -16.3%
Mississippi $1,752 $290 19.8%
Missouri $1,296 -$166 -11.4%
Montana $1,568 $106 7.3%
Nebraska $1,154 -$308 -21.1%
Nevada $1,756 $294 20.1%
New Hampshire $1,054 -$408 -27.9%
New Jersey $1,634 $172 11.8%
New Mexico $1,294 -$168 -11.5%
New York $1,540 $78 5.3%
North Carolina $842 -$620 -42.4%
North Dakota $1,198 -$264 -18.1%
Ohio $1,008 -$454 -31.1%
Oklahoma $1,502 $40 2.7%
Oregon $1,338 -$124 -8.5%
Pennsylvania $1,394 -$68 -4.7%
Rhode Island $1,950 $488 33.4%
South Carolina $1,324 -$138 -9.4%
South Dakota $1,232 -$230 -15.7%
Tennessee $1,278 -$184 -12.6%
Texas $1,762 $300 20.5%
Utah $1,080 -$382 -26.1%
Vermont $1,002 -$460 -31.5%
Virginia $874 -$588 -40.2%
Washington $1,128 -$334 -22.8%
West Virginia $1,340 -$122 -8.3%
Wisconsin $1,012 -$450 -30.8%
Wyoming $1,302 -$160 -10.9%

With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, 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 $1,462 $122
Lexus RX 450H Hybrid 4WD 4-Dr $1,462 $122

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 $344 $668 $470 $1,662
2021 Lexus RX 450h $332 $640 $486 $1,638
2020 Lexus RX 450h $314 $618 $500 $1,612
2019 Lexus RX 450h $302 $574 $510 $1,566
2018 Lexus RX 450h $290 $540 $514 $1,524
2017 Lexus RX 450h $278 $484 $520 $1,462
2016 Lexus RX 450h $260 $446 $520 $1,406

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 the Best Lexus RX 450h Insurance

Finding better rates on insurance for a Lexus RX 450h requires being a good driver, having good credit, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by getting quotes from direct companies, and also from local independent and exclusive agents.

The following list is a brief recap of the material that was illustrated above.

  • Insureds who require an increased level of liability coverage will pay an extra $570 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
  • Drivers age 16 to 20 pay higher prices, possibly costing $468 per month if they have full coverage
  • Drivers considered higher risk who tend to receive serious violations pay an average of $1,710 more each year than a safer driver
  • Increasing policy deductibles could save up to $500 each year

Rates by Driver Age

Lexus RX 450h Insurance Rates by Driver Age
Driver Age Premium
16 $5,618
20 $3,372
30 $1,510
40 $1,462
50 $1,338
60 $1,312

Full coverage, $500 deductibles

Rates by Deductible

Lexus RX 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,800
$250 $1,642
$500 $1,462
$1,000 $1,290

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 450h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,462
50/100 $1,566
100/300 $1,696
250/500 $2,034
100 CSL $1,618
300 CSL $1,904
500 CSL $2,112

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus RX 450h Insurance Rates for High Risk Drivers
Age Premium
16 $7,990
20 $5,376
30 $3,222
40 $3,168
50 $3,026
60 $3,000

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 $204

Potential Rate Discounts

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

Discount Savings
Multi-policy $77
Multi-vehicle $78
Homeowner $23
5-yr Accident Free $102
5-yr Claim Free $94
Paid in Full/EFT $63
Advance Quote $70
Online Quote $103
Total Discounts $610
Rate after discounts $852

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

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