Lexus RX 450h Insurance Rates

The average insurance rates for a Lexus RX 450h are $1,462 a year with full coverage. Comprehensive costs on average $278 each year, collision costs $484, and liability is estimated at $520. Liability-only coverage costs approximately $576 a year, with high-risk coverage costing around $3,168. Teens cost the most to insure at $5,618 a year or more.

Average premium for full coverage: $1,462

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and RX 450h models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why all drivers should get quotes based on a specific location, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $852
• Choosing higher $1,000 deductibles can save around $172 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,462
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,800
• Unlucky drivers with serious driving violations could pay upwards of $3,168 or more
• Policy cost that insures a teen driver may cost $5,618 each year

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

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,700 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus RX 450h insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,970 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, and rates will be varied.

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 cheaper rates on car insurance takes being a good driver, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare rates every year by quoting rates from direct companies, and also from several local insurance agents.

The following list is a brief review of the coverage data covered in the above illustrations.

• You may be able to save as much as $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers age 16 to 20 pay higher rates, as much as $468 each month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,710 more each year than a safer driver