Lexus RX 450h Insurance Rates

Estimated insurance rates for a Lexus RX 450h are $1,406 a year with full coverage. Comprehensive costs on average $260, collision costs $446, and liability costs $520. A policy with only liability insurance costs as little as $576 a year, with a high-risk policy costing around $3,042. Teen drivers pay the most at $5,438 a year or more.

Average premium for full coverage: $1,406

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different RX 450h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates the difference location can make on car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $823
• Drivers who choose higher $1,000 deductibles will pay around $160 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,406
• Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,716
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,042 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage may cost $5,438 a year

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

An older driver with no driving violations and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus RX 450h insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,900 on average in Florida, Michigan, and New York.

Choosing high deductibles could save up to $470 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can cost from 42% to 135% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from multiple companies. Every company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.

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

Finding better rates on insurance for a Lexus RX 450h not only requires being safe and accident-free, but also having above-average credit, being claim-free, and maximizing policy discounts. Make time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below you'll find a brief review of the primary concepts that were touched on in this article.

• You may be able to save as much as $170 per year simply by shopping early and online
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,640 more each year than a low-risk driver
• Increasing policy deductibles can save around $475 each year
• Youthful drivers are expensive to insure, possibly costing $453 per month if full coverage is included