Lexus RX 450h Insurance Rates

U.S. average insurance rates for a Lexus RX 450h are $1,406 a year for full coverage insurance. Comprehensive insurance costs approximately $260, collision costs $446, and liability coverage costs $520. Liability-only coverage costs as little as $576 a year, with high-risk coverage costing $3,042 or more. 16-year-old drivers pay the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,406

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different RX 450h trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities.

The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates using their specific location, rather than using rate averages.

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

Additional Rate Information

The chart below illustrates estimated Lexus RX 450h insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $823
• Drivers who choose higher $1,000 deductibles will pay $160 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,406
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $310 each year
• High-risk insureds with multiple tickets or accidents could pay around $3,042 or more
• The price that insures a teenage driver with full coverage can cost $5,438 a year

Auto insurance prices for a Lexus RX 450h are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in makes a big difference in Lexus RX 450h insurance rates. A 40-year-old driver could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,900 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles could save up to $470 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Every company utilizes a different rate formula, and quoted prices may be quite different.

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 the Best Cheap Lexus RX 450h Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and not having any coverage lapses. Comparison shop every couple of years by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a quick review of the material that was touched on in this article.

• Consumers who purchase more liability coverage will pay around $570 annually to go from a low limit to the 250/500 level
• Teen drivers have the highest car insurance prices, as much as $453 a month if the policy includes full coverage
• Drivers with a DUI or reckless driving violation could be charged and average of $1,640 more per year to insure their RX 450h
• Increasing physical damage deductibles can save approximately $475 each year