Lexus RX 450h Insurance Rates

Average insurance rates for a Lexus RX 450h are $1,406 a year for full coverage. Comprehensive insurance costs on average $260, collision costs $446, and liability is $520. Buying just liability costs around $576 a year, with insurance for high-risk drivers costing $3,042 or more. Teenage drivers receive the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,406

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all RX 450h models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below shows estimated Lexus RX 450h insurance rates for different risk profiles and scenarios.

• The best discount rate is $823
• Raising to $1,000 deductibles will save around $160 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,406
• Using pricier low deductibles will cost an extra $310 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,042 or more
• The cost for full coverage for a 16-year-old driver for full coverage may cost $5,438

Auto insurance rates for a Lexus RX 450h can also vary considerably based on your driver profile, the trim level of your RX 450h, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $5,400 a year. View Rates by Age

Where you live also has a big influence on Lexus RX 450h insurance prices. A middle-age driver might find rates as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

Using high physical damage deductibles can reduce rates by up to $470 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. Lexus RX 450h insurance for high-risk drivers is expensive and can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly 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 Cheap Lexus RX 450h Insurance

Saving money on insurance for a Lexus RX 450h consists of having a decent driving record, having good credit, eliminating unneeded coverage, and taking advantage of discounts. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following items are a brief summary of the ideas that were covered above.

• 16 to 18-year-old drivers are charged the highest rates, costing as high as $453 per month if they have full coverage
• Drivers considered higher risk that tend to have accidents or serious violations will pay on average $1,640 more each year than a driver with a clean driving record
• Increasing deductibles can save around $475 each year
• Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date