Lexus RX 450h Insurance Rates

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UPDATED: Apr 8, 2024

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U.S. average auto insurance rates for a Lexus RX 450h are $1,462 annually including full coverage. Comprehensive costs approximately $278, collision costs $484, and liability insurance is $520. Liability-only insurance costs around $576 a year, with high-risk driver insurance costing around $3,168. Teens pay the highest rates at $5,618 a year or more.

Average premium for full coverage: $1,462

Price estimates by individual coverage:

Comprehensive $278
Collision $484
Liability $520

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different RX 450h trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Lexus RX 450h insurance prices go from as cheap as $576 for the bare minimum liability coverage to a much higher rate of $3,168 for high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance prices.

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

The ranges above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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.

Additional Rate Information

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

  • The cheapest rate after discounts is $852
  • Raising to $1,000 deductibles will save $172 every year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,462
  • Selecting more expensive low deductibles will cost $1,800
  • Higher-risk drivers with serious driving violations could pay around $3,168 or more
  • The price with full coverage for a teen driver with full coverage can cost $5,618

Car insurance prices for a Lexus RX 450h are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $510 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus RX 450h insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,090 on average in Louisiana, New York, and Michigan.

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%

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes may be quite different between companies.

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 Buy More Affordable Lexus RX 450h Insurance

Getting lower rates on Lexus RX 450h insurance consists of having a decent driving record, having a good credit score, being claim-free, and avoiding coverage lapses. Set aside time to shop around every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a summary of the material that was raised in the charts and tables above.

  • Drivers who purchase additional liability coverage will pay approximately $570 per year to raise from a low limit to higher 250/500 limits
  • 16 to 18-year-old drivers pay the highest auto insurance prices, possibly costing $468 a month if comprehensive and collision insurance is included
  • High-risk drivers who have multiple accidents or major violations may have to pay on average $1,710 more per year than a driver with a clean driving record
  • Increasing physical damage deductibles could save up to $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.

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