Lexus RX 450h Insurance Rates
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UPDATED: Apr 8, 2024
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The average insurance rates for a Lexus RX 450h are $1,524 a year with full coverage. Comprehensive costs approximately $290, collision insurance costs $540, and liability costs $514. A liability-only policy costs as little as $572 a year, and high-risk insurance costs around $3,312. Teens cost the most to insure at up to $5,830 a year.
Average premium for full coverage: $1,524
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different RX 450h trim levels.
Price Range Variability
For the average driver, Lexus RX 450h insurance rates range from as low as $572 for your basic liability-only policy to a much higher rate of $3,312 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based on averaged prices.
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 average Lexus RX 450h insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $878
- Drivers who choose higher $1,000 deductibles will pay $188 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,524
- Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,892
- Drivers with serious driving violations could pay around $3,312
- Policy cost for full coverage for a 16-year-old driver with full coverage can cost $5,830 a year
Car insurance rates for a Lexus RX 450h also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $5,800 a year. View Rates by Age
Your home state makes a big difference in Lexus RX 450h insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,060 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,378 | -$146 | -9.6% |
| Alaska | $1,168 | -$356 | -23.4% |
| Arizona | $1,266 | -$258 | -16.9% |
| Arkansas | $1,524 | -$0 | 0.0% |
| California | $1,736 | $212 | 13.9% |
| Colorado | $1,456 | -$68 | -4.5% |
| Connecticut | $1,566 | $42 | 2.8% |
| Delaware | $1,726 | $202 | 13.3% |
| Florida | $1,908 | $384 | 25.2% |
| Georgia | $1,410 | -$114 | -7.5% |
| Hawaii | $1,094 | -$430 | -28.2% |
| Idaho | $1,032 | -$492 | -32.3% |
| Illinois | $1,134 | -$390 | -25.6% |
| Indiana | $1,150 | -$374 | -24.5% |
| Iowa | $1,028 | -$496 | -32.5% |
| Kansas | $1,448 | -$76 | -5.0% |
| Kentucky | $2,080 | $556 | 36.5% |
| Louisiana | $2,258 | $734 | 48.2% |
| Maine | $944 | -$580 | -38.1% |
| Maryland | $1,258 | -$266 | -17.5% |
| Massachusetts | $1,218 | -$306 | -20.1% |
| Michigan | $2,646 | $1,122 | 73.6% |
| Minnesota | $1,274 | -$250 | -16.4% |
| Mississippi | $1,828 | $304 | 19.9% |
| Missouri | $1,352 | -$172 | -11.3% |
| Montana | $1,638 | $114 | 7.5% |
| Nebraska | $1,202 | -$322 | -21.1% |
| Nevada | $1,830 | $306 | 20.1% |
| New Hampshire | $1,100 | -$424 | -27.8% |
| New Jersey | $1,706 | $182 | 11.9% |
| New Mexico | $1,350 | -$174 | -11.4% |
| New York | $1,606 | $82 | 5.4% |
| North Carolina | $880 | -$644 | -42.3% |
| North Dakota | $1,250 | -$274 | -18.0% |
| Ohio | $1,052 | -$472 | -31.0% |
| Oklahoma | $1,564 | $40 | 2.6% |
| Oregon | $1,398 | -$126 | -8.3% |
| Pennsylvania | $1,452 | -$72 | -4.7% |
| Rhode Island | $2,034 | $510 | 33.5% |
| South Carolina | $1,382 | -$142 | -9.3% |
| South Dakota | $1,286 | -$238 | -15.6% |
| Tennessee | $1,332 | -$192 | -12.6% |
| Texas | $1,836 | $312 | 20.5% |
| Utah | $1,126 | -$398 | -26.1% |
| Vermont | $1,044 | -$480 | -31.5% |
| Virginia | $912 | -$612 | -40.2% |
| Washington | $1,178 | -$346 | -22.7% |
| West Virginia | $1,398 | -$126 | -8.3% |
| Wisconsin | $1,054 | -$470 | -30.8% |
| Wyoming | $1,358 | -$166 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $560 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $462 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 450H Hybrid 2WD 4-Dr | $1,524 | $127 |
| Lexus RX 450H Hybrid 4WD 4-Dr | $1,524 | $127 |
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 | $356 | $686 | $450 | $1,672 |
| 2021 Lexus RX 450h | $344 | $668 | $470 | $1,662 |
| 2020 Lexus RX 450h | $332 | $640 | $486 | $1,638 |
| 2019 Lexus RX 450h | $314 | $618 | $500 | $1,612 |
| 2018 Lexus RX 450h | $302 | $574 | $510 | $1,566 |
| 2017 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
| 2016 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
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 Find the Best Lexus RX 450h Insurance
Finding cheaper rates on insurance for a Lexus RX 450h not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and attention to physical damage deductibles. Spend time shopping around once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a brief recap of the data that was touched on above.
- You may be able to save around $180 per year just by shopping early and online
- Insureds who purchase higher levels of liability will pay approximately $570 every year to go from a 30/60 limit to 250/500 limits
- Teenage drivers pay the highest auto insurance rates, as much as $486 each month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations pay on average $1,790 more per year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,830 |
| 20 | $3,532 |
| 30 | $1,580 |
| 40 | $1,524 |
| 50 | $1,396 |
| 60 | $1,370 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,892 |
| $250 | $1,722 |
| $500 | $1,524 |
| $1,000 | $1,336 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,524 |
| 50/100 | $1,627 |
| 100/300 | $1,755 |
| 250/500 | $2,089 |
| 100 CSL | $1,678 |
| 300 CSL | $1,961 |
| 500 CSL | $2,167 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,304 |
| 20 | $5,630 |
| 30 | $3,374 |
| 40 | $3,312 |
| 50 | $3,164 |
| 60 | $3,136 |
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 | $81 |
| Multi-vehicle | $82 |
| Homeowner | $24 |
| 5-yr Accident Free | $110 |
| 5-yr Claim Free | $99 |
| Paid in Full/EFT | $67 |
| Advance Quote | $75 |
| Online Quote | $108 |
| Total Discounts | $646 |
Discounts are estimated and may not be available from every company or in every state.
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