2020 Lexus RX 450 Car Insurance Calculator

Discover how different driver, vehicle, and coverage options affect the cost of insurance for a 2020 Lexus RX 450. Change vehicle usage, driver gender, marital status, and the state you live in plus many other factors. Know immediately if rates change for better or worse.

The average estimated car insurance premium for a 2020 Lexus RX 450 is $2,460 per year, or about $205 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

$2,460

Cost Per Month

$205

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 2020 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.

$2,460
Average Rate
Your Rate
$2,460

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 2020 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 2020 Lexus RX 450 is $2,460.

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.

2020 Lexus RX 450 Segment Comparison

The table below compares insurance rates for the 2020 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.

2020 Lexus RX 450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo V60$1,942-$518
2Cadillac XT5$1,984-$476
3Lincoln Nautilus$2,044-$416
4Lexus RX 350$2,076-$384
5Infiniti QX50$2,088-$372
6Jaguar E-Pace$2,098-$362
7Lexus RX 350L$2,138-$322
8Cadillac XT6$2,160-$300
9Acura MDX$2,180-$280
10Mercedes-Benz GLE450$2,230-$230
11Lincoln Aviator$2,252-$208
12Volvo V90$2,270-$190
13Infiniti QX60$2,308-$152
14Land Rover Discovery Sport$2,318-$142
15Lexus GX 460$2,352-$108
2020 Midsize Luxury SUV Average$2,368-$92
16Mercedes-Benz AMG GLC43$2,410-$50
17Land Rover Discovery$2,418-$42
18Audi SQ5$2,428-$32
19Mercedes-Benz GLE350$2,440-$20
20Lexus RX 450$2,460--
21Audi Q8$2,472$12
22BMW X5$2,476$16
23Audi Q7$2,556$96
24Mercedes-Benz AMG GLC63$2,564$104
25Audi e-tron$2,646$186
26BMW X6$2,704$244
27Tesla Model X$2,796$336
28Porsche Cayenne$2,864$404
29Mercedes-Benz AMG GLE63$2,990$530

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.

2020 RX 450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Lexus RX 450 Insurance Rates by Trim Level
2020 Lexus RX 450 Trim Level Annual Premium Cost Per Month
Hybrid 4WD$2,442$204
Hybrid L 4WD$2,482$207

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 2020 Lexus RX 450 for different driver ages.

2020 Lexus RX 450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,716$726
17$8,492$708
18$7,703$642
19$6,970$581
20$5,356$446
21$5,109$426
22$4,586$382
23$3,721$310
24$3,533$294
25$2,866$239
30$2,634$220
35$2,526$211
40$2,460$205
45$2,294$191
50$2,170$181
55$2,028$169
60$2,034$170
65$2,174$181
70$2,328$194
75$2,722$227
80$3,358$280

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.