Lexus RX 450h Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 8, 2024

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Average insurance rates for a Lexus RX 450h are $1,524 a year for full coverage. Comprehensive insurance costs around $290, collision insurance costs $540, and liability costs $514. Buying just liability costs as little as $572 a year, and insurance for high-risk drivers costs $3,312 or more. Teen drivers receive the highest rates at up to $5,830 a year.

Average premium for full coverage: $1,524

Rate estimates for individual coverage type:

Comprehensive $290
Collision $540
Liability $514

Includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all RX 450h models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from the low end price of $572 for your basic liability-only policy to the much higher price of $3,312 for a policy for a high-risk driver.

Liability Only $572
Full Coverage $1,524
High Risk $3,312

Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas. The example below illustrates how where you live affects auto insurance rates.

Rural Areas $1,143
Small Cities $1,600
Large Cities $2,057

These examples show why everyone should compare rates for a specific zip code, instead of 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.

More Rate Information

The chart below shows average Lexus RX 450h insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $878
  • Drivers who choose higher $1,000 deductibles will pay about $188 a year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,524
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $368 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,312
  • The cost that insures a teen driver for full coverage can be $5,830 a year

Auto insurance rates for a Lexus RX 450h can also vary considerably based on the model of your RX 450h, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,800 to $2,500 in extra premium per year, depending on your age. Lexus RX 450h insurance for high-risk drivers can cost as much as 43% to 131% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $5,800 a year. View Rates by Age

Where you live makes a big difference in Lexus RX 450h insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Idaho, Maine, and Iowa, or as much as $2,170 on average in Michigan, Louisiana, and New York.

Lexus RX 450h Insurance Rates by State
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 high deductibles could save up to $560 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $462 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Lexus RX 450h Insurance Rates by Model and Trim Level
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.

Lexus RX 450h Insurance Rates by Model Year
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 Cheapest Lexus RX 450h Insurance

Saving money on car insurance not only requires being a good driver, but also maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Shop around every year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a recap of the coverage data touched on in the above illustrations.

  • Drivers can save up to $180 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $550 each year
  • Drivers age 16 to 20 are expensive to insure, costing as high as $486 per month if the policy includes full coverage
  • Higher risk drivers that have major violations or accidents pay on average $1,790 more every year than a safer driver

Rates by Driver Age

Lexus RX 450h Insurance 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

Lexus RX 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,892
$250 $1,722
$500 $1,524
$1,000 $1,336

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 450h Insurance Rates with Different Liability Limits
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

Lexus RX 450h Insurance 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.

SR-22 Surcharge $215

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
Rate after discounts $878

Discounts are estimated and may not be available from every company or in every state.

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