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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Average insurance rates for a Lexus RX 450h are $1,462 a year with full coverage. Comprehensive costs on average $278 each year, collision insurance costs $484, and liability insurance is estimated at $520. Liability-only coverage costs approximately $576 a year, and high-risk coverage costs around $3,168. Teenage drivers receive the highest rates at up to $5,618 a year.
Average premium for full coverage: $1,462
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and RX 450h models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the low end price of $576 for liability-only coverage to a high rate of $3,168 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.
These examples demonstrate why all drivers should get quotes based on a specific location, rather than relying on average rates.
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.
Additional Charts and Tables
The chart below details average Lexus RX 450h insurance rates for different risk profiles and scenarios.
- The best discount rate is $852
- Choosing higher $1,000 deductibles can save around $172 annually
- The estimated price for a 40-year-old driver with $500 deductibles is $1,462
- Using low deductibles for comp and collision coverage bumps up the cost to $1,800
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,168
- The cost that insures a teen driver may cost $5,618 each year
Car insurance rates for a Lexus RX 450h can also vary considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,700 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $5,600 a year. View Rates by Age
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 $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,970 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,322 | -$140 | -9.6% |
| Alaska | $1,122 | -$340 | -23.3% |
| Arizona | $1,214 | -$248 | -17.0% |
| Arkansas | $1,462 | -$0 | 0.0% |
| California | $1,666 | $204 | 14.0% |
| Colorado | $1,394 | -$68 | -4.7% |
| Connecticut | $1,502 | $40 | 2.7% |
| Delaware | $1,654 | $192 | 13.1% |
| Florida | $1,830 | $368 | 25.2% |
| Georgia | $1,350 | -$112 | -7.7% |
| Hawaii | $1,050 | -$412 | -28.2% |
| Idaho | $990 | -$472 | -32.3% |
| Illinois | $1,090 | -$372 | -25.4% |
| Indiana | $1,104 | -$358 | -24.5% |
| Iowa | $988 | -$474 | -32.4% |
| Kansas | $1,388 | -$74 | -5.1% |
| Kentucky | $1,994 | $532 | 36.4% |
| Louisiana | $2,166 | $704 | 48.2% |
| Maine | $902 | -$560 | -38.3% |
| Maryland | $1,206 | -$256 | -17.5% |
| Massachusetts | $1,168 | -$294 | -20.1% |
| Michigan | $2,538 | $1,076 | 73.6% |
| Minnesota | $1,224 | -$238 | -16.3% |
| Mississippi | $1,752 | $290 | 19.8% |
| Missouri | $1,296 | -$166 | -11.4% |
| Montana | $1,568 | $106 | 7.3% |
| Nebraska | $1,154 | -$308 | -21.1% |
| Nevada | $1,756 | $294 | 20.1% |
| New Hampshire | $1,054 | -$408 | -27.9% |
| New Jersey | $1,634 | $172 | 11.8% |
| New Mexico | $1,294 | -$168 | -11.5% |
| New York | $1,540 | $78 | 5.3% |
| North Carolina | $842 | -$620 | -42.4% |
| North Dakota | $1,198 | -$264 | -18.1% |
| Ohio | $1,008 | -$454 | -31.1% |
| Oklahoma | $1,502 | $40 | 2.7% |
| Oregon | $1,338 | -$124 | -8.5% |
| Pennsylvania | $1,394 | -$68 | -4.7% |
| Rhode Island | $1,950 | $488 | 33.4% |
| South Carolina | $1,324 | -$138 | -9.4% |
| South Dakota | $1,232 | -$230 | -15.7% |
| Tennessee | $1,278 | -$184 | -12.6% |
| Texas | $1,762 | $300 | 20.5% |
| Utah | $1,080 | -$382 | -26.1% |
| Vermont | $1,002 | -$460 | -31.5% |
| Virginia | $874 | -$588 | -40.2% |
| Washington | $1,128 | -$334 | -22.8% |
| West Virginia | $1,340 | -$122 | -8.3% |
| Wisconsin | $1,012 | -$450 | -30.8% |
| Wyoming | $1,302 | -$160 | -10.9% |
Using high physical damage deductibles can save as much as $510 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 450H Hybrid 2WD 4-Dr | $1,462 | $122 |
| Lexus RX 450H Hybrid 4WD 4-Dr | $1,462 | $122 |
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 | $344 | $668 | $470 | $1,662 |
| 2021 Lexus RX 450h | $332 | $640 | $486 | $1,638 |
| 2019 Lexus RX 450h | $302 | $574 | $510 | $1,566 |
| 2018 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
| 2017 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
| 2016 Lexus RX 450h | $260 | $446 | $520 | $1,406 |
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 Find the Best Lexus RX 450h Insurance
Saving money on Lexus RX 450h insurance takes being safe and accident-free, having a positive credit history, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a brief recap of the primary concepts that were illustrated above.
- You may be able to save as much as $170 per year just by quoting online in advance
- High-risk drivers who tend to receive serious violations pay on average $1,710 more each year than a low-risk driver
- Increasing deductibles can save approximately $500 each year
- Youthful drivers are expensive to insure, with premiums as much as $468 per month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,618 |
| 20 | $3,372 |
| 30 | $1,510 |
| 40 | $1,462 |
| 50 | $1,338 |
| 60 | $1,312 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,800 |
| $250 | $1,642 |
| $500 | $1,462 |
| $1,000 | $1,290 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,462 |
| 50/100 | $1,566 |
| 100/300 | $1,696 |
| 250/500 | $2,034 |
| 100 CSL | $1,618 |
| 300 CSL | $1,904 |
| 500 CSL | $2,112 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,990 |
| 20 | $5,376 |
| 30 | $3,222 |
| 40 | $3,168 |
| 50 | $3,026 |
| 60 | $3,000 |
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 | $77 |
| Multi-vehicle | $78 |
| Homeowner | $23 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $63 |
| Advance Quote | $70 |
| Online Quote | $103 |
| Total Discounts | $610 |
Discounts are estimated and may not be available from every company or in every state.
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