Lexus RX 450h Insurance Rates

The average insurance rates for a Lexus RX 450h are $1,406 a year with full coverage. Comprehensive insurance costs an estimated $260, collision insurance costs $446, and liability coverage costs $520. Liability-only insurance costs as little as $576 a year, and high-risk driver insurance costs $3,042 or more. 16-year-old drivers cost the most to insure at up to $5,438 a year.

Average premium for full coverage: $1,406

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different RX 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities. The price range example below illustrates how where you live affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using rate averages.

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

Additional Charts and Tables

The chart below details average Lexus RX 450h insurance rates for other coverage scenarios.

• The best full coverage rate is $823
• Drivers who choose higher $1,000 deductibles will pay approximately $160 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,406
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $310 each year
• High-risk insureds with multiple tickets or accidents could pay up to $3,042
• Policy cost for full coverage for a teenage driver with full coverage can cost as much as $5,438 a year

Auto insurance rates for a Lexus RX 450h also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

Your home state makes a big difference in Lexus RX 450h insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or at least $1,900 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could save up to $470 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,700 to $2,300 in extra premium every 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

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 Low Cost Lexus RX 450h Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having good credit, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a review of the data that was touched on in the above illustrations.

• You may be able to save approximately $170 per year just by shopping early and online
• Consumers who want an increased level of liability coverage will pay around $570 every year to go from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, as much as $453 each month if they have full coverage
• Drivers who have several accidents or serious violations may pay on average $1,640 more annually than a safer driver