Lexus RX 450h Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 8, 2024
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Estimated auto insurance rates for a Lexus RX 450h are $1,462 annually with full coverage. Comprehensive insurance costs on average $278, collision costs $484, and liability costs around $520. Liability-only insurance costs as low as $576 a year, with high-risk driver insurance costing $3,168 or more. Teenage drivers pay the most at $5,618 a year or more.
Average premium for full coverage: $1,462
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all RX 450h models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Lexus RX 450h go from as cheap as $576 for your basic liability-only policy to the much higher price of $3,168 for high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities.
The example below illustrates how your location can change car insurance rates.
These rate differences demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below details estimated Lexus RX 450h insurance rates for different risk profiles and scenarios.
- The best discount rate is $852
- Using higher $1,000 deductibles will save around $172 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,462
- Using pricier low deductibles for physical damage coverage costs an additional $338 annually
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,168 or more
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $5,618 or more
Insurance prices for a Lexus RX 450h also have a wide range based on the model of your RX 450h, your driving record, and policy deductibles and limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $5,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,400 additional annually, depending on your age. Lexus RX 450h insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $510 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Lexus RX 450h insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,970 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,322 | -$140 | -9.6% |
Alaska | $1,122 | -$340 | -23.3% |
Arizona | $1,214 | -$248 | -17.0% |
Arkansas | $1,462 | -$0 | 0.0% |
California | $1,666 | $204 | 14.0% |
Colorado | $1,394 | -$68 | -4.7% |
Connecticut | $1,502 | $40 | 2.7% |
Delaware | $1,654 | $192 | 13.1% |
Florida | $1,830 | $368 | 25.2% |
Georgia | $1,350 | -$112 | -7.7% |
Hawaii | $1,050 | -$412 | -28.2% |
Idaho | $990 | -$472 | -32.3% |
Illinois | $1,090 | -$372 | -25.4% |
Indiana | $1,104 | -$358 | -24.5% |
Iowa | $988 | -$474 | -32.4% |
Kansas | $1,388 | -$74 | -5.1% |
Kentucky | $1,994 | $532 | 36.4% |
Louisiana | $2,166 | $704 | 48.2% |
Maine | $902 | -$560 | -38.3% |
Maryland | $1,206 | -$256 | -17.5% |
Massachusetts | $1,168 | -$294 | -20.1% |
Michigan | $2,538 | $1,076 | 73.6% |
Minnesota | $1,224 | -$238 | -16.3% |
Mississippi | $1,752 | $290 | 19.8% |
Missouri | $1,296 | -$166 | -11.4% |
Montana | $1,568 | $106 | 7.3% |
Nebraska | $1,154 | -$308 | -21.1% |
Nevada | $1,756 | $294 | 20.1% |
New Hampshire | $1,054 | -$408 | -27.9% |
New Jersey | $1,634 | $172 | 11.8% |
New Mexico | $1,294 | -$168 | -11.5% |
New York | $1,540 | $78 | 5.3% |
North Carolina | $842 | -$620 | -42.4% |
North Dakota | $1,198 | -$264 | -18.1% |
Ohio | $1,008 | -$454 | -31.1% |
Oklahoma | $1,502 | $40 | 2.7% |
Oregon | $1,338 | -$124 | -8.5% |
Pennsylvania | $1,394 | -$68 | -4.7% |
Rhode Island | $1,950 | $488 | 33.4% |
South Carolina | $1,324 | -$138 | -9.4% |
South Dakota | $1,232 | -$230 | -15.7% |
Tennessee | $1,278 | -$184 | -12.6% |
Texas | $1,762 | $300 | 20.5% |
Utah | $1,080 | -$382 | -26.1% |
Vermont | $1,002 | -$460 | -31.5% |
Virginia | $874 | -$588 | -40.2% |
Washington | $1,128 | -$334 | -22.8% |
West Virginia | $1,340 | -$122 | -8.3% |
Wisconsin | $1,012 | -$450 | -30.8% |
Wyoming | $1,302 | -$160 | -10.9% |
With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Lexus RX 450H Hybrid 2WD 4-Dr | $1,462 | $122 |
Lexus RX 450H Hybrid 4WD 4-Dr | $1,462 | $122 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2022 Lexus RX 450h | $344 | $668 | $470 | $1,662 |
2021 Lexus RX 450h | $332 | $640 | $486 | $1,638 |
2020 Lexus RX 450h | $314 | $618 | $500 | $1,612 |
2019 Lexus RX 450h | $302 | $574 | $510 | $1,566 |
2018 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
2017 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
2016 Lexus RX 450h | $260 | $446 | $520 | $1,406 |
Rates are averaged for all Lexus RX 450h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Lexus RX 450h Insurance
Finding better rates on insurance for a Lexus RX 450h requires being a good driver, having good credit, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by getting quotes from direct companies, and also from local independent and exclusive agents.
The following list is a brief recap of the material that was illustrated above.
- Insureds who require an increased level of liability coverage will pay an extra $570 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 16 to 20 pay higher prices, possibly costing $468 per month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations pay an average of $1,710 more each year than a safer driver
- Increasing policy deductibles could save up to $500 each year
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,618 |
20 | $3,372 |
30 | $1,510 |
40 | $1,462 |
50 | $1,338 |
60 | $1,312 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,800 |
$250 | $1,642 |
$500 | $1,462 |
$1,000 | $1,290 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,462 |
50/100 | $1,566 |
100/300 | $1,696 |
250/500 | $2,034 |
100 CSL | $1,618 |
300 CSL | $1,904 |
500 CSL | $2,112 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,990 |
20 | $5,376 |
30 | $3,222 |
40 | $3,168 |
50 | $3,026 |
60 | $3,000 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $77 |
Multi-vehicle | $78 |
Homeowner | $23 |
5-yr Accident Free | $102 |
5-yr Claim Free | $94 |
Paid in Full/EFT | $63 |
Advance Quote | $70 |
Online Quote | $103 |
Total Discounts | $610 |
Discounts are estimated and may not be available from every company or in every state.
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