Lexus RX 450h Insurance Rates

The average insurance prices for a Lexus RX 450h are $1,406 every 12 months including full coverage. Comprehensive costs an estimated $260, collision insurance costs $446, and liability is estimated at $520. Buying just liability costs approximately $576 a year, and insurance for high-risk drivers costs around $3,042. Teens cost the most to insure at up to $5,438 a year.

Average premium for full coverage: $1,406

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all RX 450h models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below breaks down average Lexus RX 450h insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $823
• Choosing higher $1,000 deductibles can save approximately $160 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,406
• Selecting pricier low deductibles for comp and collision coverage increases the price to $1,716
• Higher-risk drivers with serious driving violations could pay up to $3,042
• Policy cost to insure a 16-year-old driver for full coverage can cost as much as $5,438 each year

Insurance rates for a Lexus RX 450h also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,700 to $2,300 extra every year, depending on your age. Lexus RX 450h insurance for high-risk drivers ranges from 42% to 135% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lexus RX 450h insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,010 on average in Louisiana, New York, and Michigan.

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 Best Cheap Lexus RX 450h Insurance

Finding cheaper rates on insurance for a Lexus RX 450h takes being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below is a quick review of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,640 more annually for auto insurance
• You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Insureds who want higher levels of liability will pay approximately $570 per year to raise limits from a 30/60 limit to a 250/500 level