Lexus RX 450h Insurance Rates

U.S. average insurance rates for a Lexus RX 450h are $1,406 a year for full coverage insurance. Comprehensive insurance costs approximately $260 a year, collision insurance costs $446, and liability coverage costs $520. Buying just liability costs as little as $576 a year, and insurance for high-risk drivers costs $3,042 or more. Teens pay the highest rates at up to $5,438 a year.

Average premium for full coverage: $1,406

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and RX 450h trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.

The ranges above illustrate why it is important to compare rates using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $823
• Drivers who choose higher $1,000 deductibles will pay $1,246 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,406
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $310 each year
• High-risk insureds with serious driving violations could pay around $3,042
• The price for full coverage for a teenage driver can cost $5,438 a year

Insurance prices for a Lexus RX 450h are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in makes a big difference in Lexus RX 450h insurance rates. A 40-year-old driver could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,900 on average in Florida, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could save up to $470 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 135% more than the average policy. View High Risk Driver Rates

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 Find Affordable Lexus RX 450h Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and consideration of higher deductibles. Set aside time to shop around once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a brief review of the data that was raised in the charts and tables above.

• It is possible to save around $170 per year just by quoting early and online
• Consumers who purchase more liability protection will pay approximately $570 annually to go from a low limit to 250/500 limits
• Youthful drivers are the costliest to insure, as much as $453 a month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $1,640 more per year than a low-risk driver