2010 Lexus RX 450h Insurance Rates
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UPDATED: Oct 12, 2017
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Average insurance rates for a 2010 Lexus RX 450h are $1,348 a year for full coverage. Comprehensive costs an estimated $244 a year, collision costs $390, and liability costs around $534. Buying a liability-only policy costs as low as $588 a year, with high-risk insurance costing around $2,914. Teen drivers receive the highest rates at $5,266 a year or more.
Annual premium for full coverage: $1,348
Rate estimates for 2010 Lexus RX 450h Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 Lexus RX 450h models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $588 for just liability insurance to a high of $2,914 for a high risk driver.
These differences show why it is important for drivers to compare prices for a targeted area and risk profile, instead of making a decision based on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2010 Lexus RX 450h Insurance
If you’re new to shopping for car insurance online, it’s easy to get confused due to the large number of car insurance companies vying for business.
You need to take a look at other company’s rates on a regular basis because insurance rates change quite often. Just because you found the lowest price on RX 450h insurance last year there may be better deals available now. There is a lot of bad advice regarding car insurance on the web, but we’re going to give you some tested techniques to save money.
How to reduce Lexus RX 450h insurance rates
Companies offering auto insurance don’t always publicize all available discounts very well, so here is a list both well-publicized and also the lesser-known ways to save on car insurance.
- Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
- Save with a New Car – Insuring a new car can save up to 30% compared to insuring an older model.
- Use Seat Belts – Drivers who require all occupants to use their safety belts could cut 10% or more off your PIP or medical payments premium.
- Drivers Ed for Students – Have your child enroll in driver’s education in high school.
- Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts of more than 20%.
- Distant Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
- Homeowners Pay Less – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
- Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums on RX 450h insurance.
- Fewer Miles Equal More Savings – Driving fewer miles can earn a substantially lower rate.
- Accident Waiver – A handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
As a disclaimer on discounts, most discounts do not apply the whole policy. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.
Car insurance companies that may have these discounts may include but are not limited to:
Check with all companies you are considering which discounts you may be entitled to. Discounts may not be available everywhere.
How to Get Auto Insurance Comparison Quotes
There are a variety of methods to compare 2010 Lexus RX 450h auto insurance prices and some are less time-consuming than others. You could waste a few hours driving to insurance agencies in your area, or you could use the web to get pricing more quickly.
Most major companies enroll in a system where insurance shoppers complete one form, and at least one company then gives them pricing based on the submitted data. This system prevents you from having to do form submissions to each individual auto insurance company. To submit your quote information now, click here to start a free quote.
The only drawback to using this type of form is you are unable to specify which companies to receive prices from. So if you prefer to choose individual companies to compare prices, we put together a list of companies who write auto insurance in your area. Click here to view list.
It’s up to you which method you use, but compare exactly the same coverage information for every quote you compare. If you enter higher or lower deductibles then you won’t be able to determine the lowest rate for your Lexus RX 450h. Having just a slight variation in insurance coverages may result in a large different in cost. Just keep in mind that comparing more company’s prices will increase your chances of finding the best offered rates.
Tailor your coverage to you
When it comes to buying coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.
Here are some questions about coverages that might help in determining if your insurance needs could use an agent’s help.
- Do I need replacement cost coverage on my 2010 Lexus RX 450h?
- Is my state a no-fault state?
- Are my friends covered when driving my 2010 Lexus RX 450h?
- What vehicles should carry emergency assistance coverage?
- How high should my uninsured/underinsured coverage be in my state?
- Is other people’s property covered if stolen from my vehicle?
- Can I get a multi-policy discount?
- Do I need added coverage for expensive stereo equipment?
- Is motorclub coverage worth it?
- Am I getting all the discounts available?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.
Specific coverages for a Lexus RX 450h
Understanding the coverages of your policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Coverage for medical expenses
Coverage for medical payments and/or PIP kick in for expenses such as nursing services, X-ray expenses, rehabilitation expenses, dental work and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
This coverage covers damage to your RX 450h caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things like colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like theft, hitting a bird, a tree branch falling on your vehicle, vandalism and hail damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Coverage for uninsured or underinsured drivers
This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Liability auto insurance
This coverage protects you from damage that occurs to people or other property. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property.
Liability can pay for things like medical expenses, repair costs for stationary objects, medical services and attorney fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.
Have the Midas touch
We just showed you some good ideas how to get a better price on 2010 Lexus RX 450h insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even discover the most savings is with some of the lesser-known companies.
Cheap insurance is possible both online as well as from independent agents, so compare prices from both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. In many cases, drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at an affordable rate while still protecting your assets.
Additional information is available on the following sites:
Rates by U.S. City
|New York City, NY||$2,130|
|Los Angeles, CA||$2,307|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$90|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$55|
Discounts are estimated and may not be available from every company or in every state.