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2015 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: Jun 12, 2015

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Average insurance rates for a 2015 Lexus RX 450h are $1,566 a year with full coverage. Comprehensive costs approximately $302 a year, collision costs $574, and liability insurance costs around $510. Buying a liability-only policy costs as low as $568 a year, with high-risk insurance costing around $3,402. Teenage drivers receive the highest rates at $5,954 a year or more.

Annual premium for full coverage: $1,566

Rate estimates for 2015 Lexus RX 450h Insurance

Comprehensive $302
Collision $574
Liability $510

Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 40-year-old driver, prices range go from as low as $568 for basic liability insurance to a high of $3,402 for high-risk insurance.

Liability Only $568
Full Coverage $1,566
High Risk $3,402

View Chart as Image

2015 Lexus RX 450h insurance rates compared
Column chart showing 2015 Lexus RX 450h insurance prices range from $901 to $5,954 for full coverage

These differences demonstrate why it is important for drivers to compare prices using their specific location and risk profile, rather than relying on average rates.

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 2015 Lexus RX 450h Insurance

Searching Companies

Buying the most affordable car insurance online may be rather challenging for people who are new to comparing rates online. With a ridiculous number of companies competing online, how can consumers possibly compare every company to locate the lowest price?

It’s a good habit to compare prices yearly because prices are usually higher with each renewal. Despite the fact that you may have had the best rates on RX 450h coverage six months ago there may be better deals available now. Forget all the misinformation about car insurance because we’re going to demonstrate the easiest way to eliminate unnecessary coverages and save money.

If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. This article will teach you the most effective way to quote insurance and some tips to save money. But consumers must learn how big insurance companies price online insurance.

The best way to compare policy rates is to take advantage of the fact auto insurance companies participate in a system to give rate comparisons. The one thing you need to do is provide a small amount of information including the type of vehicles you drive, how much education you have, daily mileage, and whether you have decent credit. That rating information is instantly submitted to many of the top insurers and you get price estimates immediately.

More discounts equal less premium

Insuring your fleet can be pricey, but there could be available discounts to help bring down the price. Certain discounts will be applied when you get a quote, but some may not be applied and must be asked about before you get the savings.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Driver Safety – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Discount for New Cars – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on RX 450h coverage with certain companies.
  • No Accidents – Drivers who don’t have accidents can save substantially as compared to drivers who are more careless.
  • Bundle and Save – When you have multiple policies with one company you will save 10% to 20% off each policy.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance.
  • Passive Restraints and Air Bags – Cars that have air bags can qualify for discounts of more than 20%.
  • Own a Home – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.

Consumers should know that some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will reduce the cost of coverage.

Car insurance companies that may offer these discounts include:

Double check with every prospective company how you can save money. All car insurance discounts might not be offered in your state.

It’s not one size fits all

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions might point out whether or not you would benefit from an agent’s advice.

  • Why do I only qualify for high-risk insurance?
  • If I drive on a suspended license am I covered?
  • Should I have a commercial auto policy?
  • What can I do if my company won’t pay a claim?
  • Can I still get insurance after a DUI?
  • What is the minimum liability in my state?
  • Are rental cars covered under my policy?
  • Can I get a multi-policy discount?
  • Am I insured when driving a different vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Insurance coverage considerations

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, damage from a tornado or hurricane, a broken windshield and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage will pay to fix damage to your RX 450h from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, sideswiping another vehicle, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for bills for pain medications, funeral costs and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Liability – Liability insurance can cover damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair costs for stationary objects, medical services, loss of income and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Be a Smart Shopper

We just presented a lot of information how to save on 2015 Lexus RX 450h insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the most savings is with a lesser-known regional company.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price, not the least amount of coverage.

Consumers change insurance companies for any number of reasons including policy non-renewal, policy cancellation, questionable increases in premium and lack of trust in their agent. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.

More detailed insurance information can be found by following these links:

Rates by U.S. City

2015 Lexus RX 450h Insurance Rates by City
City Premium
New York City, NY $2,472
Los Angeles, CA $2,676
Philadelphia, PA $2,089
Jacksonville, FL $2,274
Phoenix, AZ $1,820
Chicago, IL $2,099
Houston, TX $2,452
Seattle, WA $1,522
Columbus, OH $1,307
Indianapolis, IN $1,333

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Lexus RX 450h Insurance Rates by Driver Age
Driver Age Premium
16 $5,954
20 $3,630
30 $1,626
40 $1,566
50 $1,434
60 $1,406

Full coverage, $500 deductibles

Rates by Deductible

2015 Lexus RX 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,954
$250 $1,774
$500 $1,566
$1,000 $1,368

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 450h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,566
50/100 $1,668
100/300 $1,796
250/500 $2,127
100 CSL $1,719
300 CSL $2,000
500 CSL $2,204

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Lexus RX 450h Insurance Rates for High Risk Drivers
Age Premium
16 $8,492
20 $5,786
30 $3,468
40 $3,402
50 $3,250
60 $3,222

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 $221

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $83
Multi-vehicle $84
Homeowner $24
5-yr Accident Free $114
5-yr Claim Free $102
Paid in Full/EFT $70
Advance Quote $77
Online Quote $111
Total Discounts $665
Rate after discounts $901

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

Find companies with the cheapest rates in your area

2015 Lexus RX 450h Insurance Rates by State
State Premium
Alabama $1,414
Alaska $1,200
Arizona $1,300
Arkansas $1,566
California $1,784
Colorado $1,492
Connecticut $1,608
Delaware $1,772
Florida $1,960
Georgia $1,446
Hawaii $1,124
Idaho $1,060
Illinois $1,166
Indiana $1,180
Iowa $1,056
Kansas $1,486
Kentucky $2,134
Louisiana $2,318
Maine $966
Maryland $1,292
Massachusetts $1,250
Michigan $2,718
Minnesota $1,310
Mississippi $1,876
Missouri $1,388
Montana $1,680
Nebraska $1,234
Nevada $1,878
New Hampshire $1,130
New Jersey $1,752
New Mexico $1,386
New York $1,648
North Carolina $902
North Dakota $1,284
Ohio $1,080
Oklahoma $1,606
Oregon $1,436
Pennsylvania $1,492
Rhode Island $2,090
South Carolina $1,420
South Dakota $1,322
Tennessee $1,368
Texas $1,886
Utah $1,158
Vermont $1,070
Virginia $938
Washington $1,208
West Virginia $1,436
Wisconsin $1,084
Wyoming $1,394

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