Lexus RX 450h Insurance Rates

U.S. average insurance prices for a Lexus RX 450h are $1,406 every 12 months including full coverage. Comprehensive costs around $260, collision costs $446, and liability insurance costs $520. Buying just liability costs as little as $576 a year, with insurance for high-risk drivers costing around $3,042. Teenage drivers pay the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,406

Price estimates for individual coverage:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different RX 450h trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying on average rates.

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 best discount rate is $823
• Drivers who choose higher $1,000 deductibles will pay about $160 every year
• The average price for the average middle-age driver using $500 deductibles is $1,406
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,716
• High risk drivers who are prone to accidents and violations could pay at least $3,042 or more
• The price to insure a teen driver with full coverage can be $5,438 a year

Insurance prices for a Lexus RX 450h are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could save up to $470 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

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 $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, and 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 Shop for More Affordable Lexus RX 450h Insurance

Getting lower rates on Lexus RX 450h insurance not only requires being a good driver, but also having above-average credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a summary of the data touched on in the above illustrations.

• Drivers who may need an increased level of liability coverage will pay an extra $570 per year to go from a low limit to a 250/500 level
• You may be able to save up to $170 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $475 each year
• Drivers age 16 to 20 are charged the highest prices, possibly costing $453 a month if full coverage is included