2019 Lexus RX 450 Car Insurance Calculator

Understand how decisions you make impact the cost of insurance for a 2019 Lexus RX 450. Tweak settings like vehicle trim level, driving violations, and policy coverages to see how insurance cost is affected. Instantly discover if your rates increased or decreased.

The average estimated car insurance premium for a 2019 Lexus RX 450 is $2,168 per year, or about $181 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

$2,168

Cost Per Month

$181

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 2019 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.

$2,168
Average Rate
Your Rate
$2,168

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 2019 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 2019 Lexus RX 450 is $2,168.

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.

2019 Lexus RX 450 Segment Comparison

The table below compares insurance rates for the 2019 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.

2019 Lexus RX 450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac XT5$1,864-$304
2Infiniti QX50$1,900-$268
3Lexus RX 350L$1,940-$228
4Lincoln Nautilus$1,980-$188
5Lincoln MKT$2,010-$158
6Lexus RX 350$2,018-$150
7Jaguar E-Pace$2,032-$136
8Acura MDX$2,090-$78
9Audi SQ5$2,146-$22
10Lexus GX 460$2,156-$12
11Lexus RX 450$2,168--
12Land Rover Discovery$2,172$4
13Infiniti QX60$2,186$18
14Volvo V90$2,202$34
2019 Midsize Luxury SUV Average$2,290$122
15Mercedes-Benz AMG GLC43$2,308$140
16Mercedes-Benz GLE400$2,320$152
17BMW X5$2,334$166
18Audi Q7$2,386$218
19Audi Q8$2,510$342
20Mercedes-Benz AMG GLC63$2,558$390
21Audi e-tron$2,564$396
22Tesla Model X$2,604$436
23BMW X6$2,698$530
24Mercedes-Benz AMG GLE43$2,732$564
25Porsche Cayenne$2,768$600
26Mercedes-Benz AMG GLE63$2,890$722

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.

2019 RX 450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 Lexus RX 450 Insurance Rates by Trim Level
2019 Lexus RX 450 Trim Level Annual Premium Cost Per Month
Hybrid 4WD$2,168$181
Hybrid F-Sport 4WD$2,168$181
Hybrid L 4WD$2,168$181
Hybrid L F-Sport 4WD$2,168$181

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 2019 Lexus RX 450 for different driver ages.

2019 Lexus RX 450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,657$638
17$7,476$623
18$6,808$567
19$6,146$512
20$4,724$394
21$4,505$375
22$4,042$337
23$3,269$272
24$3,105$259
25$2,524$210
30$2,322$194
35$2,220$185
40$2,168$181
45$2,018$168
50$1,906$159
55$1,782$149
60$1,788$149
65$1,914$160
70$2,044$170
75$2,382$199
80$2,946$246

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.