Lexus RX 450h Insurance Rates

Average auto insurance rates for a Lexus RX 450h are $1,462 annually with full coverage. Comprehensive insurance costs approximately $278, collision costs $484, and liability insurance is estimated at $520. Buying just liability costs approximately $576 a year, with insurance for high-risk drivers costing $3,168 or more. Teens receive the highest rates at $5,618 a year or more.

Average premium for full coverage: $1,462

Rate estimates by individual coverage type:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for all RX 450h models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance prices.

These examples demonstrate why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $852
• Choosing higher $1,000 deductibles can save $172 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,462
• Selecting pricier low deductibles for comp and collision coverage costs an additional $338 a year
• High-risk insureds with serious driving violations could pay around $3,168 or more
• The cost with full coverage for a teen driver for full coverage can cost $5,618 each year

Auto insurance rates for a Lexus RX 450h can also vary considerably based on the trim level of your RX 450h, your driving record, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,400 in extra premium per year, depending on your age. Lexus RX 450h insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lexus RX 450h insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,970 on average in New York, Michigan, and Florida.

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, and quoted rates can be significantly 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

Saving money on Lexus RX 450h insurance takes being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates at least once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a review of the primary concepts that were presented in the illustrations above.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• High-risk drivers who have several accidents or serious violations may pay on average $1,710 more per year for auto insurance
• Increasing deductibles could save up to $500 each year
• Teenage drivers have the highest car insurance rates, with premiums as much as $468 per month if full coverage is included