Lexus RX 450h Insurance Rates

Estimated auto insurance rates for a Lexus RX 450h are $1,406 annually including full coverage. Comprehensive insurance costs an estimated $260, collision insurance costs $446, and liability costs $520. A policy with only liability insurance costs as little as $576 a year, and a high-risk policy costs $3,042 or more. Teens pay the most at up to $5,438 a year.

Average premium for full coverage: $1,406

Premium estimates broken down by type of coverage:

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different RX 450h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Lexus RX 450h insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $823
• Drivers who choose higher $1,000 deductibles will pay approximately $160 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,406
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $310 annually
• Drivers with serious driving violations could pay up to $3,042
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $5,438 a year

Car insurance prices for a Lexus RX 450h also have a wide range based on the model of your RX 450h, your driving characteristics, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can cost from 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $470 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lexus RX 450h insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,010 on average in Louisiana, New York, and Michigan.

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 Buy Affordable Lexus RX 450h Insurance

Finding better rates on insurance for a Lexus RX 450h not only requires having a good driving record, but also having a good credit score, refrain from filing small claims, and possibly higher deductibles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a brief review of the information touched on in the above illustrations.

• You may be able to save approximately $170 per year just by shopping early and online
• Drivers age 20 and younger have the highest car insurance prices, with the cost nearing $453 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $475 each year
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,640 more annually to buy Lexus RX 450h insurance
• Insureds who want increased levels of liability coverage will pay approximately $570 per year to go from 30/60 bodily injury limits to higher 250/500 limits