Lexus RX 450h Insurance Rates

Estimated insurance rates for a Lexus RX 450h are $1,406 a year with full coverage. Comprehensive insurance costs approximately $260, collision costs $446, and liability coverage costs $520. Liability-only coverage costs as little as $576 a year, with high-risk coverage costing $3,042 or more. 16-year-old drivers pay the most at $5,438 a year or more.

Average premium for full coverage: $1,406

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all RX 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than congested cities.

The example below illustrates how location helps determine auto insurance prices.

These rate differences demonstrate why everyone should compare rates using their specific location and risk profile, rather than using rate averages.

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

More Rate Information

The chart below details estimated Lexus RX 450h insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $823
• Drivers who choose higher $1,000 deductibles will pay $160 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,406
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $310 each year
• High-risk insureds with multiple tickets or accidents could pay around $3,042 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can cost $5,438 a year

Insurance prices for a Lexus RX 450h also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus RX 450h insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or at least $1,900 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could save up to $470 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 extra annually, depending on your age. Lexus RX 450h insurance for high-risk drivers can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, so the prices will be substantially 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 Cheaper Lexus RX 450h Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also maintaining good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a condensed summary of the ideas that were covered in the charts and tables above.

• Teenagers are expensive to insure, possibly costing $453 per month for full coverage
• Drivers with multiple at-fault accidents pay on average $1,640 more per year for car insurance
• Increasing policy deductibles can save around $475 each year
• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date