2014 Lexus RX 450 Car Insurance Calculator

See in real-time how decisions you make affect car insurance rates for a 2014 Lexus RX 450. Set options like policy discounts, trim level, and driving violations and watch the impact each has on cost. See instantly if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2014 Lexus RX 450 is $1,756 per year, or about $146 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,756

Cost Per Month

$146

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus RX 450 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2014 Lexus RX 450.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,756
Average Rate
Your Rate
$1,756

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2014 Lexus RX 450 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2014 Lexus RX 450 is $1,756.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2014 Lexus RX 450 Segment Comparison

The table below compares insurance rates for the 2014 Lexus RX 450 against all other models in the midsize luxury SUV segment. The Lexus RX 450 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus RX 450, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus RX 450.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2014 Lexus RX 450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lincoln MKX$1,334-$422
2Infiniti QX50$1,486-$270
3Volvo XC70$1,536-$220
4Acura MDX$1,542-$214
5Lexus RX 350$1,548-$208
6Lincoln MKT$1,606-$150
7Cadillac SRX$1,620-$136
8Land Rover LR2$1,648-$108
9Infiniti QX60$1,726-$30
10Mercedes-Benz GL350$1,732-$24
11Mercedes-Benz ML550$1,746-$10
12Lexus GX 460$1,754-$2
13Lexus RX 450$1,756--
2014 Midsize Luxury SUV Average$1,767$11
14Audi Q7$1,892$136
15Mercedes-Benz GLK350$1,902$146
16Audi SQ5$1,910$154
17Mercedes-Benz ML350$1,918$162
18Mercedes-Benz GL450$1,926$170
19Porsche Cayenne$2,114$358
20BMW X6$2,150$394
21BMW X5$2,256$500

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2014 RX 450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 Lexus RX 450.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2014 Lexus RX 450 Insurance Rates by Trim Level
2014 Lexus RX 450 Trim Level Annual Premium Cost Per Month
Hybrid 2WD$1,746$146
Hybrid 4WD$1,766$147

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2014 Lexus RX 450 for different driver ages.

2014 Lexus RX 450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,357$530
17$6,112$509
18$5,388$449
19$4,943$412
20$3,765$314
21$3,592$299
22$3,204$267
23$2,665$222
24$2,506$209
25$2,034$170
30$1,862$155
35$1,808$151
40$1,756$146
45$1,648$137
50$1,566$131
55$1,462$122
60$1,464$122
65$1,558$130
70$1,700$142
75$2,020$168
80$2,490$208

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus RX 450 trim levels.