Lexus RX 450h Insurance Rates

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

Average premium for full coverage: $1,462

Premium estimates by type of coverage:

Includes $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and RX 450h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

These rate differences illustrate why it is important to compare prices using their specific location, rather than using price averages.

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

Rate Comparisons

The chart below illustrates average Lexus RX 450h insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $852
• Using higher $1,000 deductibles will save $1,290 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,462
• Choosing low $100 deductibles for physical damage coverage will cost an additional $338 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,168
• An auto insurance policy that insures a teenage driver can cost $5,618 or more

Insurance prices for a Lexus RX 450h also have a wide range based on the trim level of your RX 450h, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,600 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus RX 450h insurance rates. A driver around age 40 might see prices as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,970 on average in Florida, New York, and Michigan.

Choosing high deductibles could cut prices by as much as $510 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost 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 the Cheapest Lexus RX 450h Insurance

Finding better rates on auto insurance requires having a good driving record, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Shop around every year by getting quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a recap of the coverage data touched on above.

• It is possible to save around $170 per year just by quoting early and online
• Increasing policy deductibles can save approximately $500 each year
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $468 per month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be charged and average of $1,710 more per year to buy Lexus RX 450h insurance