Lexus RX 450h Insurance Rates

The average insurance rates for a Lexus RX 450h are $1,406 a year for full coverage insurance. Comprehensive costs approximately $260 each year, collision insurance costs $446, and liability coverage costs around $520. Liability-only coverage costs as low as $576 a year, and high-risk coverage costs around $3,042. 16-year-old drivers cost the most to insure at up to $5,438 a year.

Average premium for full coverage: $1,406

Policy rates by type of insurance:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and RX 450h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $823
• Using higher $1,000 deductibles will save $160 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,406
• Buying low deductibles for physical damage coverage bumps up the cost to $1,716
• Higher-risk drivers with multiple tickets or accidents could pay around $3,042
• Policy cost that insures a teenage driver can cost $5,438 or more

Insurance rates for a Lexus RX 450h also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be around 42% to 135% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state has a huge impact on Lexus RX 450h insurance rates. A driver around age 40 might see rates as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,900 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles could cut rates by as much as $470 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on auto insurance requires having a good driving record, having a good credit score, being claim-free, and consideration of higher deductibles. Comparison shop at every other renewal by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a brief summary of the concepts that were covered in the charts and tables above.

• Drivers that tend to have accidents or serious violations could be charged and average of $1,640 more per year to buy Lexus RX 450h insurance
• Drivers age 20 and younger are the costliest to insure, possibly costing $453 each month if comprehensive and collision insurance is included
• It is possible to save around $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• It is possible to save around $170 per year just by quoting online in advance