Lexus RX 450h Insurance Rates

U.S. average insurance prices for a Lexus RX 450h are $1,406 every 12 months for full coverage insurance. Comprehensive insurance costs on average $260 a year, collision insurance costs $446, and liability costs $520. Buying just liability costs as little as $576 a year, and insurance for high-risk drivers costs $3,042 or more. Teenage drivers pay the highest rates at up to $5,438 a year.

Average premium for full coverage: $1,406

Price estimates by individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and RX 450h trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location and their own driving history, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $823
• Drivers who choose higher $1,000 deductibles will pay around $1,246 each year
• The average price for the average middle-age driver with $500 deductibles is $1,406
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $310 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,042
• The price to insure a teen driver may cost $5,438 a year

Insurance prices for a Lexus RX 450h are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your RX 450h.

Using high physical damage deductibles could save up to $470 every year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Lexus RX 450h insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,900 on average in Michigan, New York, 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 Shop for Cheap Lexus RX 450h Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the material that was covered in the above illustrations.

• Policyholders who require more liability protection will pay an extra $570 annually to go from a low limit to a 250/500 level
• Youthful drivers pay higher prices, as much as $453 a month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,640 more each year than a low-risk driver
• Increasing physical damage deductibles could save as much as $475 each year