Lexus RX 450h Insurance Rates

Estimated auto insurance rates for a Lexus RX 450h are $1,406 annually for full coverage insurance. Comprehensive costs approximately $260 each year, collision costs $446, and liability coverage costs around $520. Liability-only coverage costs as low as $576 a year, with high-risk coverage costing around $3,042. Teen 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, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and RX 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than larger metro areas.

The graphic below illustrates the difference location can make on auto insurance prices.

These rate differences illustrate why all drivers should compare prices using their specific location and their own personal driving habits, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $823
• Using higher $1,000 deductibles will save $160 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,406
• Choosing low deductibles for physical damage coverage will cost $1,716
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,042 or more
• An auto insurance policy with full coverage for a teenage driver can cost $5,438 or more

Insurance prices for a Lexus RX 450h also have a wide range based on the model of your RX 450h, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can be around 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $470 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus RX 450h insurance rates. A driver around age 40 might see prices as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,900 on average in Florida, New York, and Michigan.

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the prices will be substantially different between companies.

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 Cheaper Lexus RX 450h Insurance

Finding better rates on auto insurance requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a condensed summary of the data touched on in this article.

• Consumers who purchase additional liability coverage will pay about $570 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
• It is possible to save around $170 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $475 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $453 per month including comprehensive and collision insurance