Lexus RX 450h Insurance Rates

U.S. average insurance rates for a Lexus RX 450h are $1,406 a year with full coverage. Comprehensive insurance costs around $260, collision costs $446, and liability is estimated at $520. A policy with just liability insurance costs approximately $576 a year, with coverage for high-risk drivers costing $3,042 or more. Teens pay the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,406

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different RX 450h trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

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

• The cheapest rate after discounts is $823
• Choosing higher $1,000 deductibles can save about $160 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,406
• Selecting more expensive low deductibles for comp and collision coverage will cost an extra $310 annually
• Higher-risk drivers with serious driving violations could pay at least $3,042 or more
• The price for full coverage for a 16-year-old driver with full coverage can be $5,438 each year

Insurance prices for a Lexus RX 450h are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $5,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus RX 450h insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,900 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges from 42% to 135% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to compare prices from multiple companies. Each auto insurer calculates prices differently, so the prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Cheap Lexus RX 450h Insurance

Getting lower rates on insurance for a Lexus RX 450h takes avoiding accidents and claims, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at least once a year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a quick review of the primary concepts that were touched on in this article.

• You may be able to save up to $170 per year simply by shopping early and online
• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,640 more every year to insure a Lexus RX 450h
• Increasing physical damage deductibles can save around $475 each year
• Drivers under the age of 20 pay higher prices, costing up to $453 a month for full coverage