Lexus RX 450h Insurance Rates

The average insurance prices for a Lexus RX 450h are $1,406 every 12 months with full coverage. Comprehensive insurance costs around $260 a year, collision insurance costs $446, and liability costs $520. A liability-only policy costs as little as $576 a year, and high-risk insurance costs $3,042 or more. Teens cost the most to insure at up to $5,438 a year.

Average premium for full coverage: $1,406

Policy rates for type of insurance:

Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and RX 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $823
• Drivers who choose higher $1,000 deductibles will pay about $1,246 annually
• The average price for a good driver age 40 using $500 deductibles is $1,406
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $310 annually
• Drivers with serious driving violations could pay at least $3,042
• Policy cost to insure a 16-year-old driver can be $5,438 a year

Car insurance rates for a Lexus RX 450h also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $470 annually, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Lexus RX 450h insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,900 on average in Florida, Michigan, and New York.

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 Shop for the Best Cheap Lexus RX 450h Insurance

Finding cheaper rates on insurance for a Lexus RX 450h not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at least every other year by getting quotes from direct companies, and also from several local insurance agents.

The items below are a quick review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,640 more every year to insure their RX 450h
• You may be able to save up to $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Insureds who may need more liability coverage will pay approximately $570 every year to go from a 30/60 limit to a 250/500 level