Lexus RX 450h Insurance Rates

Estimated auto insurance rates for a Lexus RX 450h are $1,462 annually for full coverage. Comprehensive costs an estimated $278 a year, collision costs $484, and liability coverage costs $520. Liability-only insurance costs as little as $576 a year, with high-risk driver insurance costing around $3,168. Teenage drivers pay the most at $5,618 a year or more.

Average premium for full coverage: $1,462

Premium estimates broken down by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and RX 450h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences show why it is important to compare rates for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

The chart below shows estimated Lexus RX 450h insurance rates for other coverage scenarios.

• The best discount rate is $852
• Drivers who choose higher $1,000 deductibles will pay approximately $1,290 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,462
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,800
• High-risk insureds who are prone to accidents and violations could pay up to $3,168 or more
• An auto insurance policy with full coverage for a teenage driver can cost as much as $5,618 a year

Insurance prices for a Lexus RX 450h also have a wide range based on the model of your RX 450h, your driver profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,400 per year on average, 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 at least $5,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,700 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 a year, while buying higher liability limits will increase premiums. Going 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 makes a big difference in Lexus RX 450h insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,090 on average in New York, Louisiana, and Michigan.

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate prices, and prices will be substantially different between companies.

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 Buy Low Cost Lexus RX 450h Insurance

Finding better rates on auto insurance not only requires having a decent driving record, but also having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates every year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a review of the coverage data presented in the illustrations above.

• Drivers can save approximately $170 per year simply by quoting early and online
• Increasing policy deductibles could save up to $500 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $468 per month if they have full coverage
• Drivers who have several accidents or serious violations may pay on average $1,710 more annually than a driver with a clean driving record