Lexus RX 450h Insurance Rates

The average auto insurance rates for a Lexus RX 450h are $1,406 annually including full coverage. Comprehensive costs around $260, collision costs $446, and liability coverage is estimated at $520. A liability-only policy costs approximately $576 a year, with high-risk insurance costing around $3,042. Teens cost the most to insure at $5,438 a year or more.

Average premium for full coverage: $1,406

Policy rates for type of insurance:

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical 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 has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance rates.

The examples above highlight why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $823
• Choosing higher $1,000 deductibles can save about $160 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,406
• Selecting pricier low deductibles for comp and collision coverage will cost $1,716
• Drivers with serious driving violations could pay at least $3,042 or more
• Policy cost with full coverage for a teenage driver for full coverage can be $5,438 each year

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

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,300 extra every year, 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

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

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

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, so rate quotes will be varied 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 More Affordable Lexus RX 450h Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the car insurance concepts presented in the illustrations above.

• Drivers who have multiple accidents or major violations may pay on average $1,640 more every year for RX 450h insurance
• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Consumers who may need higher liability limits will pay approximately $570 per year to raise limits from a 30/60 limit to higher 250/500 limits