Lexus RX 450h Insurance Rates

U.S. average insurance prices for a Lexus RX 450h are $1,406 every 12 months for full coverage. Comprehensive costs an estimated $260, collision costs $446, and liability insurance costs $520. Liability-only coverage costs as little as $576 a year, with high-risk coverage costing around $3,042. Teens pay the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,406

Price estimates broken down by individual coverage:

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different RX 450h trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. More rural locations have more infrequent accident claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below shows estimated 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 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,406
• Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,716
• High risk drivers with serious driving violations could pay up to $3,042 or more
• The price to insure a teen driver with full coverage can cost as much as $5,438 a year

Auto insurance prices for a Lexus RX 450h are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $470 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Lexus RX 450h insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Every company calculates prices differently, and quoted prices may be quite different.

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 Shop for the Best Cheap Lexus RX 450h Insurance

Getting lower rates on Lexus RX 450h insurance not only requires being a low-risk driver, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a quick review of the primary concepts that were presented in the illustrations above.

• Drivers can save approximately $170 per year simply by shopping early and online
• High-risk drivers with a DUI or reckless driving violation pay on average $1,640 more annually to insure their RX 450h
• Increasing physical damage deductibles could save as much as $475 each year
• Teen drivers are the costliest to insure, with premiums as much as $453 a month if comprehensive and collision insurance is included