Lexus RX 450h Insurance Rates

Estimated insurance rates for a Lexus RX 450h are $1,406 a year for full coverage. Comprehensive costs around $260 each year, collision costs $446, and liability insurance is $520. A liability-only policy costs around $576 a year, with high-risk insurance costing around $3,042. Teenage drivers pay the most at $5,438 a year or more.

Average premium for full coverage: $1,406

Premium estimates for type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and RX 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities.

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

These rate differences show why all drivers should compare rates quotes for a specific zip code, rather than relying on average rates.

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 additional coverage choices and driver risks.

• The best discount rate is $823
• Raising to $1,000 deductibles will save about $160 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,406
• Using low deductibles bumps up the cost to $1,716
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,042 or more
• An auto insurance policy that insures a teen driver can be $5,438

Auto insurance prices for a Lexus RX 450h also have a wide range based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,700 to $2,300 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus RX 450h insurance rates. A middle-age driver might find prices 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 prices by up to $470 each year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 Find the Best Lexus RX 450h Insurance

Finding better rates on Lexus RX 450h insurance consists of avoiding accidents and violations, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare prices at least once a year by getting quotes from direct carriers, and also from several local insurance agents.

The list below is a brief recap of the primary concepts that were touched on in this article.

• Drivers can save up to $170 per year simply by quoting online in advance
• High-risk drivers who tend to receive serious violations pay on average $1,640 more every year for car insurance
• Increasing policy deductibles can save approximately $475 each year
• Teenagers are expensive to insure, as much as $453 per month if the policy includes full coverage