Lexus RX 450h Insurance Rates

U.S. average insurance rates for a Lexus RX 450h are $1,406 a year with full coverage. Comprehensive costs approximately $260, collision costs $446, and liability is $520. Liability-only coverage costs around $576 a year, with high-risk coverage costing around $3,042. Teen drivers pay the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,406

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why everyone should compare rates quotes using their specific location, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $823
• Raising to $1,000 deductibles will save $160 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,406
• Choosing pricier low deductibles bumps up the cost to $1,716
• At-risk drivers with multiple violations and an at-fault accident could pay around $3,042 or more
• The price that insures a teen driver for full coverage can cost $5,438

Auto insurance prices for a Lexus RX 450h are also quite variable based on the model of your RX 450h, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. Lexus RX 450h insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in also has a big influence on Lexus RX 450h insurance prices. A middle-age driver might find prices as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,900 on average in New York, Michigan, and Florida.

Choosing high deductibles can reduce prices by up to $470 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and quoted 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 Cheap Lexus RX 450h Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Shop around once a year by getting rate quotes from direct companies, and also from local insurance agencies.

The points below are a brief summary of the data that was presented in the illustrations above.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Policyholders who purchase increased liability limits will pay about $570 every year to raise from a low limit to the 250/500 level
• Drivers under the age of 20 have the highest car insurance prices, costing up to $453 a month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,640 more per year to insure a Lexus RX 450h