Lexus RX 450h Insurance Rates
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Michelle Robbins
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UPDATED: Apr 8, 2024
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Average insurance rates for a Lexus RX 450h are $1,406 a year with full coverage. Comprehensive insurance costs an estimated $260 a year, collision costs $446, and liability costs around $520. A policy with just liability insurance costs as low as $576 a year, with coverage for high-risk drivers costing $3,042 or more. Teen drivers receive the highest rates at $5,438 a year or more.
Average premium for full coverage: $1,406
Rate estimates broken down by individual coverage type:
Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and RX 450h trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $576 for just liability coverage to a high of $3,042 for a high-risk insurance policy.
Price Range by Location
Where you live can make a big difference on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates how rural and urban location affects insurance prices.
These examples demonstrate why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below details estimated Lexus RX 450h insurance rates for other coverage scenarios.
- The lowest rate with discounts is $823
- Using higher $1,000 deductibles will save approximately $1,246 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,406
- Choosing low $100 deductibles for physical damage coverage will cost an extra $310 annually
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,042 or more
- The cost for full coverage for a 16-year-old driver can cost as much as $5,438 or more
Insurance rates for a Lexus RX 450h can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age
Where you live has a huge impact on Lexus RX 450h insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,900 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$138 | -9.8% |
| Alaska | $1,078 | -$328 | -23.3% |
| Arizona | $1,168 | -$238 | -16.9% |
| Arkansas | $1,406 | -$0 | 0.0% |
| California | $1,600 | $194 | 13.8% |
| Colorado | $1,340 | -$66 | -4.7% |
| Connecticut | $1,444 | $38 | 2.7% |
| Delaware | $1,590 | $184 | 13.1% |
| Florida | $1,756 | $350 | 24.9% |
| Georgia | $1,298 | -$108 | -7.7% |
| Hawaii | $1,008 | -$398 | -28.3% |
| Idaho | $952 | -$454 | -32.3% |
| Illinois | $1,046 | -$360 | -25.6% |
| Indiana | $1,060 | -$346 | -24.6% |
| Iowa | $950 | -$456 | -32.4% |
| Kansas | $1,334 | -$72 | -5.1% |
| Kentucky | $1,914 | $508 | 36.1% |
| Louisiana | $2,082 | $676 | 48.1% |
| Maine | $866 | -$540 | -38.4% |
| Maryland | $1,158 | -$248 | -17.6% |
| Massachusetts | $1,122 | -$284 | -20.2% |
| Michigan | $2,438 | $1,032 | 73.4% |
| Minnesota | $1,178 | -$228 | -16.2% |
| Mississippi | $1,684 | $278 | 19.8% |
| Missouri | $1,246 | -$160 | -11.4% |
| Montana | $1,508 | $102 | 7.3% |
| Nebraska | $1,108 | -$298 | -21.2% |
| Nevada | $1,686 | $280 | 19.9% |
| New Hampshire | $1,014 | -$392 | -27.9% |
| New Jersey | $1,570 | $164 | 11.7% |
| New Mexico | $1,242 | -$164 | -11.7% |
| New York | $1,482 | $76 | 5.4% |
| North Carolina | $810 | -$596 | -42.4% |
| North Dakota | $1,150 | -$256 | -18.2% |
| Ohio | $970 | -$436 | -31.0% |
| Oklahoma | $1,442 | $36 | 2.6% |
| Oregon | $1,286 | -$120 | -8.5% |
| Pennsylvania | $1,338 | -$68 | -4.8% |
| Rhode Island | $1,874 | $468 | 33.3% |
| South Carolina | $1,274 | -$132 | -9.4% |
| South Dakota | $1,186 | -$220 | -15.6% |
| Tennessee | $1,228 | -$178 | -12.7% |
| Texas | $1,692 | $286 | 20.3% |
| Utah | $1,038 | -$368 | -26.2% |
| Vermont | $962 | -$444 | -31.6% |
| Virginia | $842 | -$564 | -40.1% |
| Washington | $1,084 | -$322 | -22.9% |
| West Virginia | $1,286 | -$120 | -8.5% |
| Wisconsin | $972 | -$434 | -30.9% |
| Wyoming | $1,250 | -$156 | -11.1% |
Choosing high deductibles could cut rates by as much as $470 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can be from 42% to 135% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 450H Hybrid 2WD 4-Dr | $1,406 | $117 |
| Lexus RX 450H Hybrid 4WD 4-Dr | $1,406 | $117 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Lexus RX 450h | $332 | $640 | $486 | $1,638 |
| 2021 Lexus RX 450h | $314 | $618 | $500 | $1,612 |
| 2019 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
| 2018 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
| 2017 Lexus RX 450h | $260 | $446 | $520 | $1,406 |
| 2016 Lexus RX 450h | $250 | $418 | $524 | $1,372 |
Rates are averaged for all Lexus RX 450h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Lexus RX 450h Insurance
Saving money on insurance for a Lexus RX 450h requires avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least every other year by requesting rates from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The list below is a recap of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents may pay on average $1,640 more annually for car insurance
- You may be able to save approximately $170 per year simply by quoting early and online
- Increasing deductibles can save around $475 each year
- Insureds who want higher liability limits will pay about $570 every year to increase from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,240 |
| 30 | $1,448 |
| 40 | $1,406 |
| 50 | $1,286 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,716 |
| $250 | $1,572 |
| $500 | $1,406 |
| $1,000 | $1,246 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,406 |
| 50/100 | $1,510 |
| 100/300 | $1,640 |
| 250/500 | $1,978 |
| 100 CSL | $1,562 |
| 300 CSL | $1,848 |
| 500 CSL | $2,056 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,724 |
| 20 | $5,164 |
| 30 | $3,092 |
| 40 | $3,042 |
| 50 | $2,906 |
| 60 | $2,880 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $74 |
| Multi-vehicle | $75 |
| Homeowner | $23 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $59 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $583 |
Discounts are estimated and may not be available from every company or in every state.
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