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How to Find Cheap Lexus RX 450h Insurance Quotes

Average Lexus RX 450h auto insurance rates cost $142 per month ($1,708 per year). Shop around to find cheap Lexus RX 450h insurance rates. On average, Lexus RX 450h comprehensive insurance coverage costs $416, collision coverage costs $607, and liability coverage costs $482.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 18, 2020

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Key takeaways:

  • Full coverage costs around $1,708 a year or $142 each month
  • A liability-only policy costs around $685 a year or $57 each month
  • Highest rates are for teenage drivers at around $6,243 a year or $520 each month
  • Good drivers can save as much as $704 a year by earning policy discounts
  • Lexus RX 450h insurance costs around $189 more per year than the average vehicle

Lexus RX 450h insurance rates are about $189 more per year than the average vehicle in the country. Full coverage for the Lexus RX 450h averages around $1,708 a year or $142 a month, but older vehicles may just need liability which is around $685 a year or $57 a month. Safe and conscientious drivers can save up to $704 a year with good driver discounts. Let’s look at Lexus RX 450h insurance rates, crash test ratings, and more.

You can start comparing quotes for Lexus RX 450h car insurance rates from some of the best car insurance companies by using our free online tool now.

Lexus RX 450h Insurance Cost

The average Lexus RX 450h auto insurance costs are $1,708 a year or $142 a month.

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Are Lexus RX 450hs Expensive to Insure?

The chart below details how Lexus RX 450h insurance rates compare to other crossovers like the Nissan Rogue, Buick Envision, and Toyota RAV4.

Vehicle Comprehensive Collision Liability Total
Lexus RX 450h $390 $718 $420 $1,708
Nissan Rogue $268 $512 $440 $1,400
Buick Envision $320 $566 $398 $1,442
Toyota RAV4 $280 $482 $390 $1,310
Mazda CX-3 $308 $500 $372 $1,338
Honda CR-V $280 $408 $316 $1,140
Toyota C-HR $254 $452 $258 $1,074

However, there are a few things you can do to find the cheapest Lexus insurance rates online.

What Impacts the Cost of Lexus RX 450h Insurance?

The Lexus RX 450h trim and model you choose can impact the total price you will pay for Lexus RX 450h insurance coverage.

Age of the Vehicle

Older Lexus RX 450h models generally cost less to insure. For example, car insurance for a 2020 Lexus RX 450h costs $1,708, while 2010 Lexus RX 450h insurance costs are $1,372, a difference of $336.

Model Year Comprehensive Collision Liability Total
2020 Lexus RX 450h $390 $718 $420 $1,708
2019 Lexus RX 450h $372 $690 $440 $1,682
2018 Lexus RX 450h $356 $686 $450 $1,672
2017 Lexus RX 450h $344 $668 $470 $1,662
2016 Lexus RX 450h $332 $640 $486 $1,638
2015 Lexus RX 450h $314 $618 $500 $1,612
2014 Lexus RX 450h $302 $574 $510 $1,566
2013 Lexus RX 450h $290 $540 $514 $1,524
2012 Lexus RX 450h $278 $484 $520 $1,462
2011 Lexus RX 450h $260 $446 $520 $1,406
2010 Lexus RX 450h $250 $418 $524 $1,372

Driver Age

Driver age can have a significant effect on the cost of Lexus RX 450h car insurance. For example, 30-year-old drivers pay approximately $75 more for their Lexus RX 450h car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Lexus RX 450h insurance rates. For example, drivers in Los Angeles may pay $940 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Lexus RX 450h car insurance. Teens and drivers in their 20’s see the highest jump in their Lexus RX 450h car insurance with violations on their driving record.

Lexus RX 450h Crash Test Ratings

Poor Lexus RX 450h crash test ratings could mean higher Lexus RX 450h car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Lexus RX 450hL SUV AWD 4 stars 4 stars 5 stars 4 stars
2020 Lexus RX 450h SUV AWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Lexus RX 450h Safety Features

Most drivers don’t realize that not only do Lexus RX 450h safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Lexus RX 450h auto insurance rates. The Lexus RX 450h’s safety features include:

  • 10-airbag system
  • Lexus Enform safety connect
  • Panoramic view monitor
  • Smart stop technology
  • Led taillamps
  • Blindspot monitor with rear cross-traffic braking

Lexus RX 450h Insurance Loss Probability

The Lexus RX 450h’s insurance loss probability varies between different coverage types. The lower percentage means lower Lexus RX 450h auto insurance costs; higher percentages mean higher Lexus RX 450h auto insurance costs.

Insurance Coverage Category Loss Rate
Collision 25%
Property Damage 19%
Comprehensive 10%
Personal Injury -40%
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety

Lexus RX 450h Finance and Insurance Cost

If you are financing a Lexus RX 450h, most lenders will require your carry higher Lexus RX 450h coverage options including comprehensive coverage, so be sure to shop around and compare Lexus RX 450h auto insurance quotes from the best auto insurance companies using our FREE tool below.

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

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Ways to Save on Lexus RX 450h Insurance

You can save more money on your Lexus RX 450h auto insurance rates by employing any of the following five strategies.

  • Purchase a Roadside Assistance Program for Your Lexus RX 450h
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Use Paperless Billing for Your Lexus RX 450h Insurance Policy
  • Renew Your Lexus RX 450h Insurance Coverage to Avoid Lapses
  • Get Lexus RX 450h Auto Insurance Through Costco

Top Lexus RX 450h Insurance Companies

Who is the top auto insurance company for Lexus RX 450h insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lexus RX 450h auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lexus RX 450h offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Lexus RX 450h Insurance Quotes Online

You can start comparing quotes for Lexus RX 450h insurance from some of the top car insurance companies by using our free online tool today.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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