Lexus RX 450h Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 8, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a Lexus RX 450h are $1,462 a year with full coverage. Comprehensive insurance costs around $278, collision costs $484, and liability coverage is $520. A liability-only policy costs around $576 a year, with high-risk insurance costing $3,168 or more. Teenage drivers receive the highest rates at $5,618 a year or more.

Average premium for full coverage: $1,462

Rate estimates for individual coverage type:

Comprehensive $278
Collision $484
Liability $520

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different RX 450h trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $576 for your basic liability-only policy to a much higher rate of $3,168 for high-risk insurance.

Liability Only $576
Full Coverage $1,462
High Risk $3,168

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

Rural Areas $1,097
Small Cities $1,535
Large Cities $1,974

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using 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 estimated Lexus RX 450h insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $852
  • Raising to $1,000 deductibles will save about $172 annually
  • The average rate for a 40-year-old driver using $500 deductibles is $1,462
  • Using more expensive low deductibles will cost an extra $338 each year
  • Unlucky drivers who are prone to accidents and violations could pay at least $3,168 or more
  • The cost for full coverage for a teenage driver with full coverage can be $5,618

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

An older driver with a clean driving record and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $5,600 a year. View Rates by Age

Where you live also has a big influence on Lexus RX 450h insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,970 on average in Florida, Michigan, and New York.

Lexus RX 450h Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,322 -$140 -9.6%
Alaska $1,122 -$340 -23.3%
Arizona $1,214 -$248 -17.0%
Arkansas $1,462 -$0 0.0%
California $1,666 $204 14.0%
Colorado $1,394 -$68 -4.7%
Connecticut $1,502 $40 2.7%
Delaware $1,654 $192 13.1%
Florida $1,830 $368 25.2%
Georgia $1,350 -$112 -7.7%
Hawaii $1,050 -$412 -28.2%
Idaho $990 -$472 -32.3%
Illinois $1,090 -$372 -25.4%
Indiana $1,104 -$358 -24.5%
Iowa $988 -$474 -32.4%
Kansas $1,388 -$74 -5.1%
Kentucky $1,994 $532 36.4%
Louisiana $2,166 $704 48.2%
Maine $902 -$560 -38.3%
Maryland $1,206 -$256 -17.5%
Massachusetts $1,168 -$294 -20.1%
Michigan $2,538 $1,076 73.6%
Minnesota $1,224 -$238 -16.3%
Mississippi $1,752 $290 19.8%
Missouri $1,296 -$166 -11.4%
Montana $1,568 $106 7.3%
Nebraska $1,154 -$308 -21.1%
Nevada $1,756 $294 20.1%
New Hampshire $1,054 -$408 -27.9%
New Jersey $1,634 $172 11.8%
New Mexico $1,294 -$168 -11.5%
New York $1,540 $78 5.3%
North Carolina $842 -$620 -42.4%
North Dakota $1,198 -$264 -18.1%
Ohio $1,008 -$454 -31.1%
Oklahoma $1,502 $40 2.7%
Oregon $1,338 -$124 -8.5%
Pennsylvania $1,394 -$68 -4.7%
Rhode Island $1,950 $488 33.4%
South Carolina $1,324 -$138 -9.4%
South Dakota $1,232 -$230 -15.7%
Tennessee $1,278 -$184 -12.6%
Texas $1,762 $300 20.5%
Utah $1,080 -$382 -26.1%
Vermont $1,002 -$460 -31.5%
Virginia $874 -$588 -40.2%
Washington $1,128 -$334 -22.8%
West Virginia $1,340 -$122 -8.3%
Wisconsin $1,012 -$450 -30.8%
Wyoming $1,302 -$160 -10.9%

Using high physical damage deductibles can reduce rates by up to $510 a year, while increasing your policy's liability limits will increase rates. Moving 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 may be forking out at least $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Lexus RX 450h Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lexus RX 450H Hybrid 2WD 4-Dr $1,462 $122
Lexus RX 450H Hybrid 4WD 4-Dr $1,462 $122

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.

Lexus RX 450h Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Lexus RX 450h $344 $668 $470 $1,662
2021 Lexus RX 450h $332 $640 $486 $1,638
2019 Lexus RX 450h $302 $574 $510 $1,566
2018 Lexus RX 450h $290 $540 $514 $1,524
2017 Lexus RX 450h $278 $484 $520 $1,462
2016 Lexus RX 450h $260 $446 $520 $1,406

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 Find Low Cost Lexus RX 450h Insurance

Saving money on auto insurance consists of being safe and accident-free, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every couple of years by requesting rates from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

Below you'll find a review of the material that was covered in the charts and tables above.

  • Consumers who may need more liability protection will pay an extra $570 every year to raise from a minimum limit to 250/500 limits
  • Youthful drivers pay higher rates, with premiums as much as $468 per month for full coverage
  • Drivers who have several accidents or serious violations pay an average of $1,710 more every year than a low-risk driver
  • Increasing deductibles can save around $500 each year

Rates by Driver Age

Lexus RX 450h Insurance Rates by Driver Age
Driver Age Premium
16 $5,618
20 $3,372
30 $1,510
40 $1,462
50 $1,338
60 $1,312

Full coverage, $500 deductibles

Rates by Deductible

Lexus RX 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,800
$250 $1,642
$500 $1,462
$1,000 $1,290

Full coverage, driver age 40

Rates by Liability Limit

Lexus RX 450h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,462
50/100 $1,566
100/300 $1,696
250/500 $2,034
100 CSL $1,618
300 CSL $1,904
500 CSL $2,112

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus RX 450h Insurance Rates for High Risk Drivers
Age Premium
16 $7,990
20 $5,376
30 $3,222
40 $3,168
50 $3,026
60 $3,000

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.

SR-22 Surcharge $204

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $78
Homeowner $23
5-yr Accident Free $102
5-yr Claim Free $94
Paid in Full/EFT $63
Advance Quote $70
Online Quote $103
Total Discounts $610
Rate after discounts $852

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles