Best Lexus RX 450h Insurance Rates [How to Find Cheap Rates]

Lexus RX 450h insurance rates cost $1,708 a year, or around $142 a month. Comprehensive, collision, and liability insurance cost around $416, $607, and $482, respectively.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 22, 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 $189 more expensive than the average vehicle. Full coverage Lexus RX 450h insurance rates are $142 per month, while liability-only coverage costs $57 per month. Continue reading to learn how you can save $704 per month on Lexus RX 450h insurance rates.

You can start comparing quotes for Lexus RX 450h auto insurance rates from some of the best auto 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 Honda CR-V, Toyota C-HR, and BMW X6.

Vehicle Comprehensive Collision Liability Total
Lexus RX 450h $390 $718 $420 $1,708
Honda CR-V $280 $408 $316 $1,140
Toyota C-HR $254 $452 $258 $1,074
BMW X6 $432 $834 $398 $1,822
FIAT 500X $256 $506 $450 $1,392
MINI Clubman $320 $506 $398 $1,382
Chevrolet Trax $280 $470 $372 $1,280
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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 insurance coverage.

Age of the Vehicle

The average Lexus RX 450h auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Lexus RX 450h are $1,708, while 2010 Lexus RX 450h rates 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 impact on the cost of Lexus RX 450h auto insurance. For example, 20-year-old drivers pay as much as $2,164 more each year for their Lexus RX 450h auto 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 your Lexus RX 450h auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Lexus RX 450h auto insurance with violations on their driving record.

Lexus RX 450h Safety Ratings

Your Lexus RX 450h auto insurance rates are tied to the Lexus RX 450h’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side G
Small overlap front: passenger-side G
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
Source: Insurance Institute for Highway Safety
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Lexus RX 450h Crash Test Ratings

Good Lexus RX 450h crash test ratings mean the VW is safer, which could mean cheaper Lexus RX 450h auto 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

Having a variety of safety features on your Lexus RX 450h can help lower your Lexus RX 450h insurance costs. The Lexus RX 450h’s safety features include:

  • 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
  • Rear Child Safety Locks
  • 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

The lower percentage means lower Lexus RX 450h auto insurance rates; higher percentages mean higher Lexus RX 450h auto insurance rates. Insurance loss probability on the Lexus RX 450h fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision 25%
Property Damage 19%
Comprehensive 10%
Personal Injury -40%
Medical Payment N/A
Bodily Injury N/A
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 auto insurance at the dealership, so be sure to shop around and compare Lexus RX 450h auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Lexus RX 450h Insurance

There are several ways you can save even more on your Lexus RX 450h auto insurance rates. Take a look at the following five tips:

  • Ask About Student Discounts
  • Consider Ride Sharing Services to Lower Your Lexus RX 450h Mileage
  • Ask Your Insurance Company About Lexus RX 450h Discounts
  • Take Public Transit Instead of Driving Your Lexus RX 450h
  • Carpool to Work Instead of Driving Your Lexus RX 450h

Top Lexus RX 450h Insurance Companies

Several top auto insurance companies offer competitive rates for the Lexus RX 450h rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Lexus RX 450h drivers organized by market share.

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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Compare Free Lexus RX 450h Insurance Quotes Online

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

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

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