Lexus RX 450h Insurance Rates

Estimated insurance prices for a Lexus RX 450h are $1,406 every 12 months for full coverage. Comprehensive costs approximately $260, collision costs $446, and liability coverage is estimated at $520. A policy with only liability insurance costs approximately $576 a year, with a high-risk policy costing around $3,042. Teens pay the most at $5,438 a year or more.

Average premium for full coverage: $1,406

Premium estimates by type of coverage:

Prices include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all RX 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance prices.

These rate differences show why everyone should get quotes using their specific location and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

The chart below shows estimated 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 $160 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,406
• Selecting pricier low deductibles for comp and collision coverage increases the price to $1,716
• Drivers with serious driving violations could pay around $3,042 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost $5,438 each year

Car insurance prices for a Lexus RX 450h also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your RX 450h.

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 extra annually, depending on your age. Lexus RX 450h insurance for high-risk drivers ranges around 42% to 135% more than the average policy. View High Risk Driver Rates

Where you choose to 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 $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Each auto insurer calculates prices differently, so rate quotes will be substantially different.

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 Shop for the Right Lexus RX 450h Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Spend time shopping around every couple of years by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a quick rundown of the material that was touched on above.

• Consumers who purchase higher levels of liability will pay approximately $570 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Teenage drivers pay the highest auto insurance prices, as much as $453 per month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,640 more per year for auto insurance
• Increasing policy deductibles could save as much as $475 each year