Lexus RX 450h Insurance Rates

The average insurance prices for a Lexus RX 450h are $1,406 every 12 months including full coverage. Comprehensive costs an estimated $260 a year, collision costs $446, and liability coverage costs around $520. Buying just liability costs as low as $576 a year, with insurance for high-risk drivers costing around $3,042. Teen drivers cost the most to insure at $5,438 a year or more.

Average premium for full coverage: $1,406

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and RX 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and their own driving history, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $823
• Using higher $1,000 deductibles will save approximately $1,246 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,406
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,716
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,042 or more
• Policy cost to insure a teenage driver can cost as much as $5,438 or more

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

Choosing high deductibles could cut rates by as much as $470 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than average. View High Risk Driver Rates

Your home state has a huge impact on Lexus RX 450h insurance rates. A driver around age 40 might see rates 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.

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the 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 Shop for the Best Cheap Lexus RX 450h Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to shop around at least every other year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The following items are a quick review of the car insurance concepts raised in the charts and tables above.

• Drivers with a DUI or reckless driving violation may have to pay on average $1,640 more annually than a driver with a clean driving record
• You may be able to save approximately $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Consumers who want additional liability coverage will pay about $570 per year to increase from a 30/60 limit to a 250/500 level