Lexus RX 450h Insurance Rates

The average insurance rates for a Lexus RX 450h are $1,462 a year for full coverage. Comprehensive insurance costs an estimated $278, collision costs $484, and liability costs around $520. Liability-only insurance costs as low as $576 a year, with high-risk driver insurance costing $3,168 or more. Teenage drivers cost the most to insure at $5,618 a year or more.

Average premium for full coverage: $1,462

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all RX 450h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

The examples above show why everyone should compare prices for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below shows estimated Lexus RX 450h insurance rates for other coverage scenarios.

• The best discount rate is $852
• Using higher $1,000 deductibles will save approximately $172 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,462
• Using pricier low deductibles for physical damage coverage will cost an additional $338 annually
• High-risk insureds who are prone to accidents and violations could pay up to $3,168 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost as much as $5,618 or more

Auto insurance rates for a Lexus RX 450h also range considerably based on the model of your RX 450h, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,700 to $2,400 in extra premium every year, depending on your age. Lexus RX 450h insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $5,600 a year. View Rates by Age

Your home state has a huge impact on Lexus RX 450h insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,090 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles could cut rates by as much as $510 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Cheaper Lexus RX 450h Insurance

Finding cheaper rates on insurance for a Lexus RX 450h requires having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices at least once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a condensed summary of the primary concepts that were touched on above.

• Drivers can save approximately $170 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,710 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $468 each month if the policy includes full coverage