Lexus RX 450h Insurance Rates

Average auto insurance rates for a Lexus RX 450h are $1,462 annually including full coverage. Comprehensive insurance costs around $278, collision costs $484, and liability costs around $520. A policy with just liability insurance costs as low as $576 a year, with coverage for high-risk drivers costing $3,168 or more. Teenage drivers receive the highest rates at $5,618 a year or more.

Average premium for full coverage: $1,462

Rate estimates for individual coverage type:

These estimates include $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different RX 450h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below breaks down estimated Lexus RX 450h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $852
• Using higher $1,000 deductibles will save about $172 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,462
• Using more expensive low deductibles for physical damage coverage costs an additional $338 every year
• Drivers who are prone to accidents and violations could pay at least $3,168 or more
• The cost with full coverage for a teen driver with full coverage can be $5,618 or more

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

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,700 to $2,400 additional per year, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $510 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lexus RX 450h insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,090 on average in Michigan, New York, and Louisiana.

With so much variability in rates, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates can be significantly different 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

Saving money on car insurance requires not taking risks behind the wheel, having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief summary of the data that was covered in the above illustrations.

• You may be able to save up to $170 per year simply by shopping early and online
• Policyholders who may need higher liability limits will pay an extra $570 per year to increase from a minimum limit to higher 250/500 limits
• Teens are charged the highest rates, as much as $468 per month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,710 more every year for RX 450h insurance