Lexus RX 450h Insurance Rates

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

Average premium for full coverage: $1,462

Premium estimates by type of coverage:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates include averaging for all states and for all RX 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are statistically proven to have fewer accident claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance prices.

These rate differences show 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.

Insurance Rate Analysis

The chart below shows average 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 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,462
• Using pricier low deductibles costs an additional $338 every year
• At-risk drivers who are prone to accidents and violations could pay around $3,168
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $5,618

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

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,400 every 12 months 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 will be charged in the ballpark of $5,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,700 to $2,400 extra annually, 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 prices by up to $510 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Lexus RX 450h insurance prices. A middle-age driver might find prices 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.

Insurance Rates by Trim Level and Model Year

Rates assume 2016 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

Finding better rates on car insurance consists of being a safe driver, having a good credit score, not filing small claims, and attention to physical damage deductibles. Take the time to compare rates at every policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

Here is a brief recap of the data covered in the above illustrations.

• Policyholders who purchase more liability insurance will pay an extra $570 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save around $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $500 each year
• Young drivers pay the highest auto insurance prices, as much as $468 per month if comprehensive and collision insurance is included