Lexus RX 450h Car Insurance Calculator

Explore and learn how changes to different risk factors influence insurance rates for a Lexus RX 450h. Customize factors such as vehicle usage, gender of the driver, and marital status to see how rates are affected. See instantly if rates go up or down and learn why.

The average estimated car insurance premium for a 2024 Lexus RX 450h is $2,476 per year, or about $206 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

$2,476

Cost Per Month

$206

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 450h 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 Lexus RX 450h.

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.

$2,476
Average Rate
Your Rate
$2,476

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Lexus RX 450h.

The 'Average Rate' is a combined value for all Lexus RX 450h 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 2024 Lexus RX 450h is $2,476.

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.

2024 Lexus RX 450h Segment Comparison

The table below compares insurance rates for the 2024 Lexus RX 450h against all other models in the midsize luxury SUV segment. The Lexus RX 450h 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 450h, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus RX 450h.

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

2024 Lexus RX 450h Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Jaguar E-Pace$2,190-$286
2Cadillac XT5$2,210-$266
3Infiniti QX50$2,276-$200
4Cadillac XT6$2,292-$184
5Infiniti QX60$2,304-$172
6Mercedes-Benz AMG GLB35$2,308-$168
7Acura MDX$2,342-$134
8Lexus RX 350$2,350-$126
9Lexus TX 350$2,380-$96
10Lexus RX 350h$2,410-$66
11Lexus TX 500h$2,446-$30
12Lexus RX 500h$2,454-$22
13Lincoln Nautilus$2,472-$4
14Lexus RX 450h$2,476--
15Volvo V90$2,496$20
16Audi SQ5$2,584$108
17Mercedes-Benz GLE350$2,616$140
18Lincoln Aviator$2,636$160
19Lexus GX 550$2,664$188
20Volvo V60$2,742$266
21Land Rover Discovery Sport$2,746$270
22Mercedes-Benz GLE450$2,758$282
2024 Midsize Luxury SUV Average$2,782$306
23Cadillac Lyriq$2,784$308
24Volvo EX90$2,806$330
25Audi Q7$2,842$366
26Genesis GV80$2,854$378
27Mercedes-Benz AMG GLC43$2,868$392
28Audi e-tron$2,920$444
29Tesla Model X$2,944$468
30BMW X5$2,992$516
31Audi Q8$3,012$536
32Land Rover Discovery$3,026$550
33Mercedes-Benz AMG GLE53$3,046$570
34Audi SQ7$3,148$672
35BMW iX$3,192$716
36BMW X6$3,272$796
37Land Rover Range Rover Sport$3,410$934
38Audi RS 6$3,482$1,006
39Porsche Cayenne$3,506$1,030
40BMW XM$3,844$1,368
41Mercedes-Benz AMG GLE63$3,948$1,472

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.

2024 RX 450h Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Lexus RX 450h.

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.

2024 Lexus RX 450h Insurance Rates by Trim Level
2024 Lexus RX 450h Trim Level Annual Premium Cost Per Month
Luxury Plug-in Hybrid$2,476$206

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 2024 Lexus RX 450h for different driver ages.

2024 Lexus RX 450h Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,666$722
17$8,436$703
18$7,640$637
19$6,931$578
20$5,336$445
21$5,094$425
22$4,578$382
23$3,738$312
24$3,544$295
25$2,878$240
30$2,652$221
35$2,542$212
40$2,476$206
45$2,312$193
50$2,188$182
55$2,042$170
60$2,048$171
65$2,182$182
70$2,336$195
75$2,726$227
80$3,346$279

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 450h trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Lexus RX 450h.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Lexus RX 450h Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Lexus RX 450h$2,476$206
2023 Lexus RX 450h$2,404$200
2022 Lexus RX 450h$2,254$188

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 Lexus RX 450h trim levels for each model year.