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 costs an estimated $260 a year, collision costs $446, and liability costs around $520. Buying just liability costs as low as $576 a year, with insurance for high-risk drivers costing around $3,042. Teens pay the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,406

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and RX 450h trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how your location can change insurance prices.

The ranges above illustrate why it is important to compare prices for a targeted area, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $823
• Using higher $1,000 deductibles will save approximately $1,246 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,406
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,716
• High-risk insureds with serious driving violations could pay up to $3,042 or more
• The price that insures a 16-year-old driver can cost as much as $5,438 or more

Insurance prices for a Lexus RX 450h are also quite variable based on the trim level of your RX 450h, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can be from 42% to 135% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,400 a year. View Rates by Age

The state you live in has a huge impact on Lexus RX 450h insurance prices. A driver around age 40 might see prices as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,900 on average in Florida, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from multiple companies. Each insurance company calculates prices differently, 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 Find Affordable Lexus RX 450h Insurance

Getting lower rates on insurance for a Lexus RX 450h requires being a good driver, having a good credit score, not filing small claims, and maximizing policy discounts. Compare rates every year by requesting rates from direct insurance companies, and also from local insurance agencies.

The following list is a brief review of the coverage data illustrated above.

• It is possible to save approximately $170 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $475 each year
• Drivers age 16 to 20 are expensive to insure, as much as $453 a month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,640 more annually than a safer driver