2018 Lexus RX 450 Car Insurance Calculator

Gain insights into how different driver, vehicle, and coverage options affect car insurance rates for a 2018 Lexus RX 450. Experiment with trim level options, driving record, policy coverages, and annual miles driven to see the impact on rates. Instantly see if the choice you make has a positive or negative impact on rates.

The average estimated car insurance premium for a 2018 Lexus RX 450 is $2,046 per year, or about $171 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

$2,046

Cost Per Month

$171

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 2018 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.

$2,046
Average Rate
Your Rate
$2,046

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 2018 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 2018 Lexus RX 450 is $2,046.

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.

2018 Lexus RX 450 Segment Comparison

The table below compares insurance rates for the 2018 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.

2018 Lexus RX 450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo V60$1,696-$350
2Cadillac XT5$1,758-$288
3Lexus RX 350L$1,818-$228
4Lincoln MKT$1,864-$182
5Lexus RX 350$1,890-$156
6Lincoln MKX$1,940-$106
7Jaguar E-Pace$1,956-$90
8Acura MDX$1,978-$68
9Audi SQ5$2,004-$42
10Lexus RX 450$2,046--
11Volvo V90$2,060$14
12Lexus GX 460$2,062$16
13Infiniti QX60$2,078$32
14Land Rover Discovery$2,090$44
15Lexus RX 450hL$2,120$74
2018 Midsize Luxury SUV Average$2,181$135
16Mercedes-Benz AMG GLC43$2,206$160
17Audi Q7$2,218$172
18Mercedes-Benz GLE350$2,238$192
19BMW X5$2,282$236
20Mercedes-Benz AMG GLC63$2,438$392
21Maserati Levante$2,522$476
22Tesla Model X$2,610$564
23Mercedes-Benz AMG GLE43$2,612$566
24Porsche Cayenne$2,724$678
25Mercedes-Benz AMG GLE63$2,736$690
26BMW X6$2,756$710

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.

2018 RX 450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Lexus RX 450 Insurance Rates by Trim Level
2018 Lexus RX 450 Trim Level Annual Premium Cost Per Month
Hybrid 4WD$2,020$168
Hybrid F-Sport 4WD$2,074$173

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 2018 Lexus RX 450 for different driver ages.

2018 Lexus RX 450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,232$603
17$7,053$588
18$6,406$534
19$5,790$483
20$4,450$371
21$4,246$354
22$3,809$317
23$3,090$258
24$2,932$244
25$2,382$199
30$2,194$183
35$2,100$175
40$2,046$171
45$1,908$159
50$1,804$150
55$1,686$141
60$1,692$141
65$1,808$151
70$1,934$161
75$2,254$188
80$2,786$232

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.