Lexus RX 450h Insurance Rates
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Michelle Robbins
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UPDATED: Apr 8, 2024
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The average auto insurance rates for a Lexus RX 450h are $1,406 annually with full coverage. Comprehensive costs approximately $260 each year, collision insurance costs $446, and liability is $520. Liability-only coverage costs around $576 a year, and high-risk coverage costs around $3,042. Teenage drivers cost the most to insure at up to $5,438 a year.
Average premium for full coverage: $1,406
Policy rates by type of insurance:
Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and RX 450h models.
Price Range Variability
For the average 40-year-old driver, Lexus RX 450h insurance rates range from as cheap as $576 for your basic liability-only policy to a high rate of $3,042 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.
The examples above demonstrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below details average Lexus RX 450h insurance rates for additional coverage and risk scenarios.
- The best discount rate is $823
- Raising to $1,000 deductibles will save $160 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,406
- Using low deductibles will cost $1,716
- Drivers who are prone to accidents and violations could pay around $3,042
- Policy cost with full coverage for a 16-year-old driver can cost $5,438
Insurance rates for a Lexus RX 450h also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $470 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Lexus RX 450h insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,900 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$138 | -9.8% |
| Alaska | $1,078 | -$328 | -23.3% |
| Arizona | $1,168 | -$238 | -16.9% |
| Arkansas | $1,406 | -$0 | 0.0% |
| California | $1,600 | $194 | 13.8% |
| Colorado | $1,340 | -$66 | -4.7% |
| Connecticut | $1,444 | $38 | 2.7% |
| Delaware | $1,590 | $184 | 13.1% |
| Florida | $1,756 | $350 | 24.9% |
| Georgia | $1,298 | -$108 | -7.7% |
| Hawaii | $1,008 | -$398 | -28.3% |
| Idaho | $952 | -$454 | -32.3% |
| Illinois | $1,046 | -$360 | -25.6% |
| Indiana | $1,060 | -$346 | -24.6% |
| Iowa | $950 | -$456 | -32.4% |
| Kansas | $1,334 | -$72 | -5.1% |
| Kentucky | $1,914 | $508 | 36.1% |
| Louisiana | $2,082 | $676 | 48.1% |
| Maine | $866 | -$540 | -38.4% |
| Maryland | $1,158 | -$248 | -17.6% |
| Massachusetts | $1,122 | -$284 | -20.2% |
| Michigan | $2,438 | $1,032 | 73.4% |
| Minnesota | $1,178 | -$228 | -16.2% |
| Mississippi | $1,684 | $278 | 19.8% |
| Missouri | $1,246 | -$160 | -11.4% |
| Montana | $1,508 | $102 | 7.3% |
| Nebraska | $1,108 | -$298 | -21.2% |
| Nevada | $1,686 | $280 | 19.9% |
| New Hampshire | $1,014 | -$392 | -27.9% |
| New Jersey | $1,570 | $164 | 11.7% |
| New Mexico | $1,242 | -$164 | -11.7% |
| New York | $1,482 | $76 | 5.4% |
| North Carolina | $810 | -$596 | -42.4% |
| North Dakota | $1,150 | -$256 | -18.2% |
| Ohio | $970 | -$436 | -31.0% |
| Oklahoma | $1,442 | $36 | 2.6% |
| Oregon | $1,286 | -$120 | -8.5% |
| Pennsylvania | $1,338 | -$68 | -4.8% |
| Rhode Island | $1,874 | $468 | 33.3% |
| South Carolina | $1,274 | -$132 | -9.4% |
| South Dakota | $1,186 | -$220 | -15.6% |
| Tennessee | $1,228 | -$178 | -12.7% |
| Texas | $1,692 | $286 | 20.3% |
| Utah | $1,038 | -$368 | -26.2% |
| Vermont | $962 | -$444 | -31.6% |
| Virginia | $842 | -$564 | -40.1% |
| Washington | $1,084 | -$322 | -22.9% |
| West Virginia | $1,286 | -$120 | -8.5% |
| Wisconsin | $972 | -$434 | -30.9% |
| Wyoming | $1,250 | -$156 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus RX 450H Hybrid 2WD 4-Dr | $1,406 | $117 |
| Lexus RX 450H Hybrid 4WD 4-Dr | $1,406 | $117 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2022 Lexus RX 450h | $332 | $640 | $486 | $1,638 |
| 2021 Lexus RX 450h | $314 | $618 | $500 | $1,612 |
| 2019 Lexus RX 450h | $290 | $540 | $514 | $1,524 |
| 2018 Lexus RX 450h | $278 | $484 | $520 | $1,462 |
| 2017 Lexus RX 450h | $260 | $446 | $520 | $1,406 |
| 2016 Lexus RX 450h | $250 | $418 | $524 | $1,372 |
Rates are averaged for all Lexus RX 450h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy More Affordable Lexus RX 450h Insurance
Finding cheaper rates on insurance for a Lexus RX 450h consists of being a safe and courteous driver, having good credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a summary of the concepts that were touched on in this article.
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,640 more per year for auto insurance
- Teenage drivers are the costliest to insure, as much as $453 each month if they have full coverage
- You may be able to save around $170 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $475 each year
- You may be able to save around $170 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,240 |
| 30 | $1,448 |
| 40 | $1,406 |
| 50 | $1,286 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,716 |
| $250 | $1,572 |
| $500 | $1,406 |
| $1,000 | $1,246 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,406 |
| 50/100 | $1,510 |
| 100/300 | $1,640 |
| 250/500 | $1,978 |
| 100 CSL | $1,562 |
| 300 CSL | $1,848 |
| 500 CSL | $2,056 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,724 |
| 20 | $5,164 |
| 30 | $3,092 |
| 40 | $3,042 |
| 50 | $2,906 |
| 60 | $2,880 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $74 |
| Multi-vehicle | $75 |
| Homeowner | $23 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $59 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $583 |
Discounts are estimated and may not be available from every company or in every state.
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