Affordable Lexus RX 450h Auto Insurance Quotes (2026)
Average Lexus RX 450h insurance rates are $142 a month on average, but good drivers can often find even cheaper Lexus RX 450h insurance quotes. State Farm and GEICO are the most popular companies for Lexus RX 450h insurance coverage, but comparison shopping online is the only way you can guarantee finding the lowest price for your Lexus RX 450h insurance policy. Enter your ZIP code below to start comparing quotes now.
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Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Tim Bain
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated July 2023
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, but good drivers can save up to $704 a year by remaining claim-free. Full coverage insurance for the Lexus RX 450h averages $1,708 a year or $142 a month, and older cars that can get away with liability-only coverage can expect to cost about $685 a year or $57 a month. 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 car insurance costs for a Lexus RX 450h 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 Lincoln MKX, Audi SQ5, and Nissan Murano.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus RX 450h | $390 | $718 | $420 | $1,708 |
| Lincoln MKX | $294 | $596 | $398 | $1,446 |
| Audi SQ5 | $394 | $774 | $264 | $1,542 |
| Nissan Murano | $294 | $512 | $390 | $1,354 |
| Audi Q5 | $362 | $718 | $372 | $1,610 |
| Cadillac XT4 | $362 | $656 | $316 | $1,470 |
| Lincoln MKC | $306 | $596 | $398 | $1,458 |
However, there are a few things you can do to find the cheapest Lexus insurance rates online.
Read more: Affordable Nissan Auto Insurance Quotes
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 |
Driver Age
Driver age can have a significant impact on Lexus RX 450h auto insurance rates. For example, 20-year-old drivers pay approximately $2,089 more each year for their Lexus RX 450h auto insurance than 30-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 $632 a year more than drivers in Philadelphia.
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
Lexus RX 450h crash test ratings can impact your Lexus RX 450h car insurance rates. See Lexus RX 450h crash test results below:
| 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
The Lexus RX 450h safety features can help lower insurance costs. According to AutoBlog, the 2020 Lexus RX 450h has the following safety features:
- Lexus Enform safety connect
- 10-air bag system
- Panoramic view monitor
- Smart stop technology
- Led taillamps
- Blindspot monitor
Lexus RX 450h Insurance Loss Probability
The lower percentage means lower Lexus RX 450h car insurance costs; higher percentages mean higher Lexus RX 450h car insurance costs. Compare the following Lexus RX 450h auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
| 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 car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Lexus RX 450h Insurance
If you want to reduce the cost of your Lexus RX 450h insurance rates, follow these tips below:
- Take a Defensive Driving Course or Any Driver’s Education Course
- Use a Service Like Turo to Rent Out Your Lexus RX 450h
- Ask for a Lexus RX 450h Discount If You Have College Degree or Higher
- Compare Apples to Apples When Comparing Lexus RX 450h Insurance Quotes and Policies
- Ask About Welcome Discounts
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 auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Frequently Asked Questions
Is it possible to find affordable insurance for a Lexus RX 450h?
Yes, it is possible to find affordable insurance for a Lexus RX 450h. Several factors can influence the cost of insurance, such as your driving history, location, age, and the level of coverage you choose. By comparing quotes from different insurance providers and considering available discounts, you can find an insurance policy that fits your budget.
Does the Lexus RX 450h’s hybrid nature affect insurance costs?
The hybrid nature of the Lexus RX 450h can potentially impact insurance costs. Hybrids generally have a higher initial purchase price, which can influence the cost to repair or replace them in the event of an accident. However, hybrids also tend to have better fuel efficiency and lower emissions, which may qualify you for discounts or lower rates with certain insurance providers. It is best to check with various insurers to understand how they evaluate hybrids when determining insurance premiums.
Can insurance rates for a Lexus RX 450h change over time?
Yes, insurance rates for a Lexus RX 450h can change over time. Insurance companies regularly assess their risk calculations, pricing models, and market conditions, which can lead to fluctuations in insurance premiums. Additionally, personal factors like changes in your driving record, location, or coverage needs can also impact the cost of insurance.
Are there any specific safety features in the Lexus RX 450h that can help lower insurance costs?
The Lexus RX 450h is equipped with various safety features that may help lower insurance costs. These features can include anti-lock brakes, stability control, adaptive cruise control, lane departure warning, and collision mitigation systems. Insurance companies often consider such safety features when calculating premiums and may offer discounts accordingly.
Do hybrid vehicles like the Lexus RX 450h qualify for any insurance discounts?
Yes, hybrid vehicles like the Lexus RX 450h may qualify for insurance discounts. Many insurance companies offer discounts for environmentally friendly vehicles, including hybrids. These discounts are usually provided to encourage eco-friendly practices and reduce carbon emissions.
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