Lexus RX 450h Insurance Rates

Average auto insurance rates for a Lexus RX 450h are $1,406 annually with full coverage. Comprehensive insurance costs approximately $260 a year, collision insurance costs $446, and liability insurance is estimated at $520. A liability-only policy costs approximately $576 a year, and high-risk insurance costs $3,042 or more. Teens receive the highest rates at up to $5,438 a year.

Average premium for full coverage: $1,406

Rate estimates by individual coverage type:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and RX 450h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance prices.

These examples demonstrate why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

The chart below details average Lexus RX 450h insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $823
• Choosing higher $1,000 deductibles can save $1,246 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,406
• Selecting low $100 deductibles for comp and collision coverage costs an additional $310 a year
• High-risk insureds with serious driving violations could pay around $3,042
• The cost with full coverage for a teen driver can cost $5,438 each year

Insurance rates for a Lexus RX 450h can also vary considerably based on the trim level of your RX 450h, your driving record, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

Where you 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 $1,010 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,900 on average in New York, Michigan, and Florida.

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 Affordable Lexus RX 450h Insurance

Saving money on Lexus RX 450h insurance takes being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around every couple of years by requesting rates from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a brief review of the material that was touched on above.

• Drivers who purchase more liability coverage will pay approximately $570 every year to raise limits from a minimum limit to higher 250/500 limits
• Teen drivers are expensive to insure, with premiums as much as $453 per month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,640 more per year to insure their RX 450h
• Increasing deductibles could save up to $475 each year