Lexus RX 450h Insurance Rates

Estimated insurance rates for a Lexus RX 450h are $1,524 a year including full coverage. Comprehensive costs on average $290 a year, collision costs $540, and liability coverage costs around $514. A liability-only policy costs as low as $572 a year, with high-risk insurance costing around $3,312. Teenage drivers pay the most at $5,830 a year or more.

Average premium for full coverage: $1,524

Premium estimates by type of coverage:

Includes $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. 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 car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences highlight why it is important to compare prices based on a specific location and risk profile, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $878
• Using higher $1,000 deductibles will save around $1,336 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,524
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,892
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,312 or more
• An auto insurance policy for full coverage for a teenage driver may cost $5,830 or more

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

Older drivers with a good driving record and high deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $5,800 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 $1,170 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,170 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles could cut prices by as much as $560 a year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $462 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different 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 the Cheapest Lexus RX 450h Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having good credit, refrain from filing small claims, and taking advantage of discounts. Take the time to compare rates at every policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a recap of the data covered in the above illustrations.

• Consumers who require higher levels of liability will pay an extra $570 per year to increase from 30/60 bodily injury limits to 250/500 limits
• You may be able to save as much as $180 per year simply by quoting early and online
• Increasing policy deductibles can save around $550 each year
• Teenage drivers are charged the highest prices, with the cost nearing $486 per month if they have full coverage