Lexus RX 450h Insurance Rates

U.S. average insurance rates for a Lexus RX 450h are $1,406 a year including full coverage. Comprehensive insurance costs around $260, collision costs $446, and liability costs $520. Liability-only coverage costs as little as $576 a year, with high-risk coverage costing $3,042 or more. Teen drivers pay the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,406

Price estimates for individual coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all RX 450h models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how location helps determine auto insurance rates.

The ranges above highlight why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Lexus RX 450h insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $823
• Drivers who choose higher $1,000 deductibles will pay about $160 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,406
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $310 annually
• Drivers with multiple violations and an at-fault accident could pay at least $3,042 or more
• The price for full coverage for a 16-year-old driver for full coverage can be $5,438 a year

Auto insurance prices for a Lexus RX 450h are also quite variable based on your driving record, the model of your RX 450h, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $5,400 a year. View Rates by Age

The state you live in makes a big difference in Lexus RX 450h insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.

Choosing high deductibles could save up to $470 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,700 to $2,300 in extra premium each year, depending on your age. Lexus RX 450h insurance for high-risk drivers can cost from 42% to 135% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices from multiple companies. Every company uses a different rate calculation, and quoted prices may be quite 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 Best Lexus RX 450h Insurance

Getting lower rates on insurance for a Lexus RX 450h not only requires being safe and accident-free, but also having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief recap of the material that was covered in the charts and tables above.

• Insureds who may need more liability protection will pay about $570 per year to go from a low limit to 250/500 limits
• Youthful drivers are expensive to insure, possibly costing $453 a month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations pay on average $1,640 more every year than a low-risk driver
• Increasing physical damage deductibles can save around $475 each year