Lexus RX 450h Insurance Rates

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

Average premium for full coverage: $1,462

Rate estimates by individual coverage type:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all RX 450h models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of 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 additional coverage and risk scenarios.

• The best discount rate is $852
• Raising to $1,000 deductibles will save $172 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,462
• Using pricier low deductibles will cost $1,800
• At-risk drivers who are prone to accidents and violations could pay around $3,168 or more
• The cost with full coverage for a teen driver for full coverage can cost $5,618

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect 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 are likely paying anywhere from $1,700 to $2,400 extra per year, depending on your age. Lexus RX 450h insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $510 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Lexus RX 450h insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,090 on average in Louisiana, New York, and Michigan.

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so the 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 the Best Lexus RX 450h Insurance

Saving money on car insurance consists of having a good driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The next list is a brief recap of the primary concepts that were covered above.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers who tend to receive serious violations may have to pay on average $1,710 more per year to buy Lexus RX 450h insurance
• Increasing deductibles could save up to $500 each year
• Drivers age 20 and younger are expensive to insure, as much as $468 per month including comprehensive and collision insurance