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2013 Lexus RX 450h Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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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

Comprehensive $278
Collision $484
Liability $520

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

For a driver in their 40's, prices range go from as low as $576 for a discount liability-only rate to a high rate of $3,168 for a driver who has had serious violations or accidents.

Liability Only $576
Full Coverage $1,462
High Risk $3,168

View Chart as Image

2013 Lexus RX 450h insurance rates compared
Column chart showing 2013 Lexus RX 450h insurance prices range from $852 to $5,618 for full coverage

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2013 Lexus RX 450h Insurance

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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

Rates by U.S. City

2013 Lexus RX 450h Insurance Rates by City
City Premium
New York City, NY $2,310
Los Angeles, CA $2,499
Philadelphia, PA $1,952
Jacksonville, FL $2,123
Phoenix, AZ $1,700
Chicago, IL $1,962
Houston, TX $2,291
Seattle, WA $1,421
Columbus, OH $1,220
Indianapolis, IN $1,248

Need a specific model?

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Rates by Driver Age

2013 Lexus RX 450h Insurance 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

2013 Lexus RX 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,800
$250 $1,642
$500 $1,462
$1,000 $1,290

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 450h Insurance Rates with Different Liability Limits
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

2013 Lexus RX 450h Insurance 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.

SR-22 Surcharge $204

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
Rate after discounts $852

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

Find companies with the cheapest rates in your area

2013 Lexus RX 450h Insurance Rates by State
State Premium
Alabama $1,322
Alaska $1,122
Arizona $1,214
Arkansas $1,462
California $1,666
Colorado $1,394
Connecticut $1,502
Delaware $1,654
Florida $1,830
Georgia $1,350
Hawaii $1,050
Idaho $990
Illinois $1,090
Indiana $1,104
Iowa $988
Kansas $1,388
Kentucky $1,994
Louisiana $2,166
Maine $902
Maryland $1,206
Massachusetts $1,168
Michigan $2,538
Minnesota $1,224
Mississippi $1,752
Missouri $1,296
Montana $1,568
Nebraska $1,154
Nevada $1,756
New Hampshire $1,054
New Jersey $1,634
New Mexico $1,294
New York $1,540
North Carolina $842
North Dakota $1,198
Ohio $1,008
Oklahoma $1,502
Oregon $1,338
Pennsylvania $1,394
Rhode Island $1,950
South Carolina $1,324
South Dakota $1,232
Tennessee $1,278
Texas $1,762
Utah $1,080
Vermont $1,002
Virginia $874
Washington $1,128
West Virginia $1,340
Wisconsin $1,012
Wyoming $1,302

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