Lexus RX 450h Insurance Rates

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

Average premium for full coverage: $1,406

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different RX 450h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

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

These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than using price averages.

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

Additional Rate Information

The chart below breaks down estimated Lexus RX 450h insurance rates for other coverage scenarios.

• The lowest rate with discounts is $823
• Drivers who choose higher $1,000 deductibles will pay approximately $160 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,406
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $310 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,042 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost as much as $5,438 a year

Insurance prices for a Lexus RX 450h also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,700 to $2,300 additional annually, depending on your age. High-risk driver insurance can cost around 42% to 135% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,400 a year. View Rates by Age

Where you choose to live 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 Vermont, New Hampshire, and Missouri, or as much as $2,010 on average in Louisiana, New York, and Michigan.

Choosing high deductibles could save up to $470 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Every company uses a different rate calculation, and prices will be substantially 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 Cheap Lexus RX 450h Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, refrain from filing small claims, and maximizing policy discounts. Shop around at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief summary of the car insurance concepts touched on in the above illustrations.

• Drivers that tend to have accidents or serious violations could be charged and average of $1,640 more annually to insure a Lexus RX 450h
• You may be able to save approximately $170 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $475 each year
• Consumers who want increased liability limits will pay about $570 per year to go from 30/60 bodily injury limits to the 250/500 level