Lexus RX 450h Insurance Rates
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UPDATED: Apr 8, 2024
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Average auto insurance rates for a Lexus RX 450h are $1,462 annually for full coverage. Comprehensive costs approximately $278, collision costs $484, and liability coverage costs $520. Buying just liability costs as little as $576 a year, with insurance for high-risk drivers costing around $3,168. Teen 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:
Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different RX 450h trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $576 for basic liability insurance to a much higher rate of $3,168 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a large influence on car insurance rates. Rural locations tend to have fewer accident claims than larger metro areas.
The price range example below illustrates how geographic area affects auto insurance prices.
These examples show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using price averages.
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.
Rate Comparisons
The chart below shows estimated Lexus RX 450h insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $852
- Drivers who choose higher $1,000 deductibles will pay $172 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,462
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,800
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,168 or more
- The cost with full coverage for a teenage driver with full coverage can cost $5,618 a year
Auto insurance rates for a Lexus RX 450h can also vary considerably based on the trim level of your RX 450h, your driver profile, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest 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 could be paying anywhere from $1,700 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance can cost around 43% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $510 a year, while increasing your policy's liability limits will push rates upward. Going 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 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 as much as $2,090 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,322 | -$140 | -9.6% |
| Alaska | $1,122 | -$340 | -23.3% |
| Arizona | $1,214 | -$248 | -17.0% |
| Arkansas | $1,462 | -$0 | 0.0% |
| California | $1,666 | $204 | 14.0% |
| Colorado | $1,394 | -$68 | -4.7% |
| Connecticut | $1,502 | $40 | 2.7% |
| Delaware | $1,654 | $192 | 13.1% |
| Florida | $1,830 | $368 | 25.2% |
| Georgia | $1,350 | -$112 | -7.7% |
| Hawaii | $1,050 | -$412 | -28.2% |
| Idaho | $990 | -$472 | -32.3% |
| Illinois | $1,090 | -$372 | -25.4% |
| Indiana | $1,104 | -$358 | -24.5% |
| Iowa | $988 | -$474 | -32.4% |
| Kansas | $1,388 | -$74 | -5.1% |
| Kentucky | $1,994 | $532 | 36.4% |
| Louisiana | $2,166 | $704 | 48.2% |
| Maine | $902 | -$560 | -38.3% |
| Maryland | $1,206 | -$256 | -17.5% |
| Massachusetts | $1,168 | -$294 | -20.1% |
| Michigan | $2,538 | $1,076 | 73.6% |
| Minnesota | $1,224 | -$238 | -16.3% |
| Mississippi | $1,752 | $290 | 19.8% |
| Missouri | $1,296 | -$166 | -11.4% |
| Montana | $1,568 | $106 | 7.3% |
| Nebraska | $1,154 | -$308 | -21.1% |
| Nevada | $1,756 | $294 | 20.1% |
| New Hampshire | $1,054 | -$408 | -27.9% |
| New Jersey | $1,634 | $172 | 11.8% |
| New Mexico | $1,294 | -$168 | -11.5% |
| New York | $1,540 | $78 | 5.3% |
| North Carolina | $842 | -$620 | -42.4% |
| North Dakota | $1,198 | -$264 | -18.1% |
| Ohio | $1,008 | -$454 | -31.1% |
| Oklahoma | $1,502 | $40 | 2.7% |
| Oregon | $1,338 | -$124 | -8.5% |
| Pennsylvania | $1,394 | -$68 | -4.7% |
| Rhode Island | $1,950 | $488 | 33.4% |
| South Carolina | $1,324 | -$138 | -9.4% |
| South Dakota | $1,232 | -$230 | -15.7% |
| Tennessee | $1,278 | -$184 | -12.6% |
| Texas | $1,762 | $300 | 20.5% |
| Utah | $1,080 | -$382 | -26.1% |
| Vermont | $1,002 | -$460 | -31.5% |
| Virginia | $874 | -$588 | -40.2% |
| Washington | $1,128 | -$334 | -22.8% |
| West Virginia | $1,340 | -$122 | -8.3% |
| Wisconsin | $1,012 | -$450 | -30.8% |
| Wyoming | $1,302 | -$160 | -10.9% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Every company uses a different rate calculation, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 450H Hybrid 2WD 4-Dr | $1,462 | $122 |
| Lexus RX 450H Hybrid 4WD 4-Dr | $1,462 | $122 |
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 | $344 | $668 | $470 | $1,662 |
| 2021 Lexus RX 450h | $332 | $640 | $486 | $1,638 |
| 2020 Lexus RX 450h | $314 | $618 | $500 | $1,612 |
| 2019 Lexus RX 450h | $302 | $574 | $510 | $1,566 |
| 2018 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
| 2017 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
| 2016 Lexus RX 450h | $260 | $446 | $520 | $1,406 |
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 Buy Low Cost Lexus RX 450h Insurance
Saving money on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Invest the time to compare rates every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The following is a review of the ideas that were presented in the illustrations above.
- Teens have the highest car insurance rates, costing as high as $468 per month if full coverage is included
- Drivers who have several accidents or serious violations pay on average $1,710 more per year for RX 450h insurance
- Increasing deductibles could save up to $500 each year
- Drivers can save around $170 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,618 |
| 20 | $3,372 |
| 30 | $1,510 |
| 40 | $1,462 |
| 50 | $1,338 |
| 60 | $1,312 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,800 |
| $250 | $1,642 |
| $500 | $1,462 |
| $1,000 | $1,290 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,462 |
| 50/100 | $1,566 |
| 100/300 | $1,696 |
| 250/500 | $2,034 |
| 100 CSL | $1,618 |
| 300 CSL | $1,904 |
| 500 CSL | $2,112 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,990 |
| 20 | $5,376 |
| 30 | $3,222 |
| 40 | $3,168 |
| 50 | $3,026 |
| 60 | $3,000 |
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 | $77 |
| Multi-vehicle | $78 |
| Homeowner | $23 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $63 |
| Advance Quote | $70 |
| Online Quote | $103 |
| Total Discounts | $610 |
Discounts are estimated and may not be available from every company or in every state.
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