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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.
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The average Lexus RX 450h auto insurance costs are $1,708 a year or $142 a month.
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 |
However, there are a few things you can do to find the cheapest Lexus insurance rates online.
The Lexus RX 450h trim and model you choose can impact the total price you will pay for Lexus RX 450h insurance coverage.
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 |
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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
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:
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 | |
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.
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:
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 | |||
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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