Lexus RX 450h Insurance Rates

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 insurance costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing around $3,042. 16-year-old drivers receive the highest rates at $5,438 a year or more.

Average premium for full coverage: $1,406

Rate estimates broken down by individual coverage type:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and RX 450h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why it is important to compare prices for a targeted area and risk profile, rather than relying on rate averages.

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

More Rate Information

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

• The best full coverage rate is $823
• Using higher $1,000 deductibles will save approximately $1,246 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,406
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,716
• Drivers with multiple tickets or accidents could pay up to $3,042 or more
• The cost for full coverage for a teen driver can cost as much as $5,438 or more

Insurance rates for a Lexus RX 450h can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $5,400 a year. View Rates by Age

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

Opting for high physical damage deductibles could cut rates by as much as $470 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

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 the Best Lexus RX 450h Insurance

Saving money on Lexus RX 450h insurance requires being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by quoting rates from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below you'll find a brief recap of the information covered above.

• It is possible to save approximately $170 per year simply by quoting early and online
• Youthful drivers are charged the highest rates, costing up to $453 per month for full coverage
• Increasing deductibles can save around $475 each year
• High-risk drivers who tend to receive serious violations pay on average $1,640 more annually than a low-risk driver
• Drivers who want more liability protection will pay around $570 annually to increase from a minimum limit to 250/500 limits