Lexus RX 450h Car Insurance [Rates + Coverage Guide]

Average car insurance rates for a Lexus RX 450h cost $1,708 a year, or around $142 a month. Finding Lexus RX 450h teenager insurance rates can cost on average $6,243 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 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 car insurance rates cost drivers an average of $1,708 a year, which comes down to right around $142 per month. Some of the factors that determine Lexus RX 450h rates include the age of both the driver and vehicle, as well as the model’s safety features.

We have prepared this in-depth article so you can educate yourself more on Lexus RX 450h insurance rates. By the time you’ve read through it, you will be able to confidently compare policies.

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 car 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 Honda HR-V, Nissan Murano, and BMW X6.

Vehicle Comprehensive Collision Liability Total
Lexus RX 450h $390 $718 $420 $1,708
Honda HR-V $294 $532 $372 $1,356
Nissan Murano $294 $512 $390 $1,354
BMW X6 $432 $834 $398 $1,822
Ford Escape $280 $438 $316 $1,170
Toyota RAV4 $280 $482 $390 $1,310
Cadillac XT4 $362 $656 $316 $1,470
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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 auto insurance coverage.

Age of the Vehicle

The average Lexus RX 450h car insurance rates are higher for newer models. 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
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Driver Age

Driver age can have a significant effect on Lexus RX 450h car insurance rates. For example, 30-year-old drivers pay $75 more for 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 New York may pay $1,042 a year more than drivers in Seattle.

Your Driving Record

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

Lexus RX 450h Crash Test Ratings

Not only do good Lexus RX 450h crash test ratings mean you are better protected in a crash, but good Lexus RX 450h crash ratings also mean cheaper 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
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Lexus RX 450h Safety Features

Lexus RX 450h safety features can lower the cost of your insurance. The safety features for the 2020 Lexus RX 450h include:

  • Rear Child Safety Locks
  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Lexus Enform Safety Connect Emergency Sos
  • Pre-Collision System (PCS)
  • Lane Keeping Assist
  • Lane Departure Warning
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver Knee Airbag, Rear Side-Impact Airbag and Passenger Cushion Front Airbag
  • First Aid Kit
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners
  • Back-Up Camera

Lexus RX 450h Insurance Loss Probability

Review the Lexus RX 450h car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. 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
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Lexus RX 450h Finance and Insurance Cost

If you are financing a Lexus RX 450h, you will pay more if you purchase Lexus RX 450h car insurance at the dealership, so be sure to shop around and compare Lexus RX 450h car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Lexus RX 450h Insurance

You have more options at your disposal to save money on your Lexus RX 450h car insurance costs. For example, try these five tips:

  • Remove Unnecessary Insurance Once Your Lexus RX 450h is Paid Off
  • Buy Winter Tires for Your Lexus RX 450h
  • Get Lexus RX 450h Auto Insurance Through Costco
  • Choose Automatic Payments or EFT for Your Lexus RX 450h Insurance Policy
  • Save Money on Young Driver Lexus RX 450h Insurance By Mentioning Grades or GPA

Top Lexus RX 450h Insurance Companies

Who is the top car 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
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Average Monthly Car Insurance Rates by State