Lexus RX 450h Insurance Rates
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Michelle Robbins
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UPDATED: Apr 8, 2024
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Average auto insurance rates for a Lexus RX 450h are $1,406 annually including full coverage. Comprehensive insurance costs around $260 a year, collision costs $446, and liability insurance is $520. A policy with just liability insurance costs around $576 a year, with coverage for high-risk drivers costing $3,042 or more. Teen drivers receive the highest rates at $5,438 a year or more.
Average premium for full coverage: $1,406
Rate estimates for individual coverage type:
Estimates include $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and RX 450h trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $576 for minimum levels of liability insurance to a high of $3,042 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates the difference location can make on auto insurance rates.
These examples highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down estimated Lexus RX 450h insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $823
- Raising to $1,000 deductibles will save about $1,246 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,406
- Choosing low $100 deductibles costs an additional $310 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,042 or more
- The cost with full coverage for a teen driver can be $5,438
Insurance rates for a Lexus RX 450h can also vary considerably based on the trim level of your RX 450h, your driving characteristics, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $470 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Lexus RX 450h insurance rates. A middle-age driver might find rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$138 | -9.8% |
| Alaska | $1,078 | -$328 | -23.3% |
| Arizona | $1,168 | -$238 | -16.9% |
| Arkansas | $1,406 | -$0 | 0.0% |
| California | $1,600 | $194 | 13.8% |
| Colorado | $1,340 | -$66 | -4.7% |
| Connecticut | $1,444 | $38 | 2.7% |
| Delaware | $1,590 | $184 | 13.1% |
| Florida | $1,756 | $350 | 24.9% |
| Georgia | $1,298 | -$108 | -7.7% |
| Hawaii | $1,008 | -$398 | -28.3% |
| Idaho | $952 | -$454 | -32.3% |
| Illinois | $1,046 | -$360 | -25.6% |
| Indiana | $1,060 | -$346 | -24.6% |
| Iowa | $950 | -$456 | -32.4% |
| Kansas | $1,334 | -$72 | -5.1% |
| Kentucky | $1,914 | $508 | 36.1% |
| Louisiana | $2,082 | $676 | 48.1% |
| Maine | $866 | -$540 | -38.4% |
| Maryland | $1,158 | -$248 | -17.6% |
| Massachusetts | $1,122 | -$284 | -20.2% |
| Michigan | $2,438 | $1,032 | 73.4% |
| Minnesota | $1,178 | -$228 | -16.2% |
| Mississippi | $1,684 | $278 | 19.8% |
| Missouri | $1,246 | -$160 | -11.4% |
| Montana | $1,508 | $102 | 7.3% |
| Nebraska | $1,108 | -$298 | -21.2% |
| Nevada | $1,686 | $280 | 19.9% |
| New Hampshire | $1,014 | -$392 | -27.9% |
| New Jersey | $1,570 | $164 | 11.7% |
| New Mexico | $1,242 | -$164 | -11.7% |
| New York | $1,482 | $76 | 5.4% |
| North Carolina | $810 | -$596 | -42.4% |
| North Dakota | $1,150 | -$256 | -18.2% |
| Ohio | $970 | -$436 | -31.0% |
| Oklahoma | $1,442 | $36 | 2.6% |
| Oregon | $1,286 | -$120 | -8.5% |
| Pennsylvania | $1,338 | -$68 | -4.8% |
| Rhode Island | $1,874 | $468 | 33.3% |
| South Carolina | $1,274 | -$132 | -9.4% |
| South Dakota | $1,186 | -$220 | -15.6% |
| Tennessee | $1,228 | -$178 | -12.7% |
| Texas | $1,692 | $286 | 20.3% |
| Utah | $1,038 | -$368 | -26.2% |
| Vermont | $962 | -$444 | -31.6% |
| Virginia | $842 | -$564 | -40.1% |
| Washington | $1,084 | -$322 | -22.9% |
| West Virginia | $1,286 | -$120 | -8.5% |
| Wisconsin | $972 | -$434 | -30.9% |
| Wyoming | $1,250 | -$156 | -11.1% |
With so much variability in rates, the best way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 450H Hybrid 2WD 4-Dr | $1,406 | $117 |
| Lexus RX 450H Hybrid 4WD 4-Dr | $1,406 | $117 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Lexus RX 450h | $332 | $640 | $486 | $1,638 |
| 2021 Lexus RX 450h | $314 | $618 | $500 | $1,612 |
| 2019 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
| 2018 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
| 2017 Lexus RX 450h | $260 | $446 | $520 | $1,406 |
| 2016 Lexus RX 450h | $250 | $418 | $524 | $1,372 |
Rates are averaged for all Lexus RX 450h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Lexus RX 450h Insurance
Saving money on Lexus RX 450h insurance consists of not taking risks behind the wheel, having good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates once a year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following is a review of the data that was touched on in this article.
- You may be able to save up to $170 per year simply by quoting early and online
- Drivers who may need higher liability limits will pay about $570 per year to raise from a minimum limit to higher 250/500 limits
- Teens are charged the highest rates, as much as $453 per month if they have full coverage
- High-risk drivers who have several accidents or serious violations may pay on average $1,640 more every year for RX 450h insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,240 |
| 30 | $1,448 |
| 40 | $1,406 |
| 50 | $1,286 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,716 |
| $250 | $1,572 |
| $500 | $1,406 |
| $1,000 | $1,246 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,406 |
| 50/100 | $1,510 |
| 100/300 | $1,640 |
| 250/500 | $1,978 |
| 100 CSL | $1,562 |
| 300 CSL | $1,848 |
| 500 CSL | $2,056 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,724 |
| 20 | $5,164 |
| 30 | $3,092 |
| 40 | $3,042 |
| 50 | $2,906 |
| 60 | $2,880 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $74 |
| Multi-vehicle | $75 |
| Homeowner | $23 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $59 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $583 |
Discounts are estimated and may not be available from every company or in every state.
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