Lexus RX 450h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 8, 2024
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Estimated insurance prices for a Lexus RX 450h are $1,406 every 12 months for full coverage insurance. Comprehensive insurance costs around $260, collision insurance costs $446, and liability coverage is estimated at $520. Liability-only coverage costs approximately $576 a year, and high-risk coverage costs $3,042 or more. 16-year-old drivers pay the most at up to $5,438 a year.
Average premium for full coverage: $1,406
Premium estimates for type of coverage:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different RX 450h trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Lexus RX 450h range from the cheapest price of $576 for your basic liability-only policy to a much higher rate of $3,042 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than congested cities. The price range example below illustrates how where you live affects auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using rate 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.
More Rate Information
The chart below illustrates average Lexus RX 450h insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $823
- Choosing higher $1,000 deductibles can save about $160 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,406
- Buying more expensive low deductibles for comp and collision coverage costs an extra $310 each year
- Drivers with multiple tickets or accidents could pay at least $3,042
- An auto insurance policy to insure a teenage driver with full coverage can be $5,438 each year
Insurance prices for a Lexus RX 450h also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $470 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $5,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges around 42% to 135% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Lexus RX 450h insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,900 on average in Michigan, New York, and Florida.
| 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% |
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 Shop for Cheaper Lexus RX 450h Insurance
Finding better rates on auto insurance takes being a good driver, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to comparison shop at every other renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The following list is a condensed summary of the concepts that were touched on in the above illustrations.
- Drivers with multiple at-fault accidents may pay on average $1,640 more every year than a safer driver
- Drivers age 16 to 20 pay higher prices, with premiums being up to $453 per month if they have full coverage
- It is possible to save up to $170 per year just by shopping early and online
- Increasing policy deductibles could save as much as $475 each year
- It is possible to save up to $170 per year just by shopping early and online
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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