2013 Lexus RX 450h Insurance Rates

Average insurance rates for a 2013 Lexus RX 450h are $1,462 a year including full coverage. Comprehensive insurance costs on average $278 each year, collision costs $484, and liability coverage costs $520. Buying a liability-only policy costs as little as $576 a year, with high-risk insurance costing $3,168 or more. Teen drivers receive the highest rates at $5,618 a year or more.

Annual premium for full coverage: $1,462

Rate estimates for 2013 Lexus RX 450h Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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

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These differences highlight why all drivers should compare rates based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Looking for the cheapest auto insurance rates for your Lexus RX 450h? Finding the cheapest insurance for a new or used Lexus RX 450h could be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are both good and bad ways to compare auto insurance rates and we’ll show you the best way to price shop coverage for your Lexus and locate the lowest price either online or from local insurance agents.

It’s important to do rate comparisons before your policy renews because insurance rates fluctuate regularly. Just because you had the lowest price for RX 450h coverage last year a different company probably has better rates today. There is too much inaccurate information about auto insurance online but by reading this article, you’re going to learn some excellent ideas to save money.

Comprehensive Insurance Coverage Comparison

Getting a cheaper price on 2013 Lexus RX 450h insurance is surprisingly easy. The only requirement is to spend a few minutes comparing rates online from several insurance companies. This can be done using a couple different methods.

The most efficient way to get quotes would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating repetitive form entry for every insurance coverage company. One form gets rate comparisons instantly. This is by far the quickest method.

A less efficient way to shop for insurance coverage online requires a visit to the website for every company you want to comare to complete their respective quote request forms. For examples sake, let’s say you want comparison quotes from State Farm, 21st Century and American Family. You would have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but ensure you are comparing the exact same coverages and limits with each company. If you compare mixed coverages it will be very difficult to make an equal comparison.

Tailor your coverage to you

When choosing the best car insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

• How high should my medical payments coverage be?
• Am I covered if I hit my neighbor’s mailbox?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my policy cover my teen driver if they drive my company car?
• How do I file an SR-22 for a DUI in my state?
• If my 2013 Lexus RX 450h is totaled, can I afford another vehicle?
• Am I covered when pulling a rental trailer?
• Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Knowing the specifics of auto insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Lexus RX 450h.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Liability auto insurance – This coverage provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as bail bonds, medical services, court costs and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, theft, fire damage and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This covers damage to your RX 450h from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, scraping a guard rail, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as dental work, X-ray expenses, nursing services and funeral costs. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage