Lexus RX 450h Insurance Rates

U.S. average insurance rates for a Lexus RX 450h are $1,462 a year with full coverage. Comprehensive costs an estimated $278, collision insurance costs $484, and liability costs $520. Liability-only insurance costs as little as $576 a year, and high-risk driver insurance costs around $3,168. Teens pay the highest rates at up to $5,618 a year.

Average premium for full coverage: $1,462

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all RX 450h models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. More rural locations have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how location impacts insurance prices.

The ranges above demonstrate why everyone should compare rates for a targeted area, instead of using averaged prices.

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

Additional Charts and Tables

The chart below details average Lexus RX 450h insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $852
• Drivers who choose higher $1,000 deductibles will pay approximately $172 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,462
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,800
• Higher-risk drivers with serious driving violations could pay up to $3,168
• The price that insures a teen driver for full coverage can cost as much as $5,618 a year

Car insurance prices for a Lexus RX 450h are also quite variable based on the model of your RX 450h, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,700 to $2,400 extra each year, depending on your age. Lexus RX 450h insurance for high-risk drivers can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $5,600 a year. View Rates by Age

The state you live in makes a big difference in Lexus RX 450h insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,970 on average in New York, Michigan, and Florida.

Choosing higher comprehensive and collision insurance deductibles could save up to $510 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

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 Cheap Lexus RX 450h Insurance

Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Compare rates every couple of years by getting rate quotes from direct companies, and also from insurance agencies where you live.

The points below are a brief summary of the material that was touched on above.

• Policyholders who want increased liability limits will pay approximately $570 every year to go from a low limit to the 250/500 level
• Drivers under the age of 20 have the highest car insurance prices, costing up to $468 a month if full coverage is purchased
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,710 more annually to insure a Lexus RX 450h
• Increasing physical damage deductibles can save approximately $500 each year