Lexus RX 450h Insurance Rates

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

Average premium for full coverage: $1,406

Policy rates for type of insurance:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and RX 450h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below breaks down average Lexus RX 450h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $823
• Using higher $1,000 deductibles will save about $160 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,406
• Using low deductibles for physical damage coverage will cost $1,716
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,042
• Policy cost with full coverage for a teenage driver can be $5,438 or more

Insurance rates for a Lexus RX 450h also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy 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. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be around 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $470 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus RX 450h insurance rates. A driver around age 40 might see rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

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 Cheap Lexus RX 450h Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to compare rates once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the data that was covered in the above illustrations.

• You may be able to save up to $170 per year just by quoting online in advance
• Consumers who may need increased liability limits will pay an extra $570 per year to increase from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 pay higher rates, with premiums being up to $453 each month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations may pay on average $1,640 more every year to insure a Lexus RX 450h