Lexus RX 450h Insurance Rates

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

Average premium for full coverage: $1,406

Policy rates broken down by type of insurance:

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all RX 450h models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The example below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why everyone should get quotes for a targeted area and risk profile, instead of using 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 other coverage scenarios.

• The lowest rate with discounts is $823
• Choosing higher $1,000 deductibles can save approximately $160 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,406
• Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,716
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,042 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,438 each year

Insurance rates for a Lexus RX 450h also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $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 $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,900 on average in Florida, New York, and Michigan.

Choosing high deductibles can save as much as $470 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,700 to $2,300 extra every year, depending on your age. Lexus RX 450h insurance for high-risk drivers ranges as much as 42% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates 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 Low Cost Lexus RX 450h Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, maintaining good credit, being claim-free, and taking advantage of discounts. Take the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a review of the information covered in the above illustrations.

• It is possible to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Teen drivers are charged the highest rates, possibly costing $453 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $475 each year
• Higher risk drivers who have several accidents or serious violations pay on average $1,640 more annually to insure their RX 450h
• Policyholders who want more liability coverage will pay about $570 annually to raise limits from a 30/60 limit to 250/500 limits