Lexus RX 450h Insurance Rates

The average auto insurance rates for a Lexus RX 450h are $1,406 annually including full coverage. Comprehensive costs on average $260, collision costs $446, and liability is $520. A liability-only policy costs around $576 a year, with high-risk insurance costing around $3,042. Teenage drivers cost the most to insure at $5,438 a year or more.

Average premium for full coverage: $1,406

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different RX 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

The chart below breaks down estimated Lexus RX 450h insurance rates for different risk profiles and scenarios.

• The best discount rate is $823
• Raising to $1,000 deductibles will save around $160 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,406
• Using more expensive low deductibles will cost $1,716
• Drivers who are prone to accidents and violations could pay upwards of $3,042 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage may cost $5,438

Car insurance rates for a Lexus RX 450h also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $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 a minimum $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $470 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus RX 450h insurance prices. A middle-age driver might find 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.

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 insurance for a Lexus RX 450h consists of avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the data that was touched on in the above illustrations.

• You may be able to save as much as $170 per year simply by shopping early and online
• Insureds who require higher liability limits will pay an extra $570 per year to raise from a 30/60 limit to higher 250/500 limits
• Teenagers are expensive to insure, with premiums being up to $453 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,640 more each year for car insurance