2022 Lexus RX 450h Car Insurance Calculator

Learn and understand how seemingly small changes influence insurance rates for a 2022 Lexus RX 450h. Modify options like driver's age, policy discounts, and trim level and watch how each affects your rate. Know immediately if the choice you make has an impact on rates and why.

The average estimated car insurance premium for a 2022 Lexus RX 450h is $2,254 per year, or about $188 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

$2,254

Cost Per Month

$188

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 2022 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.

$2,254
Average Rate
Your Rate
$2,254

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 2022 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 2022 Lexus RX 450h is $2,254.

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.

2022 Lexus RX 450h Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 Lexus RX 450h Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac XT5$2,102-$152
2Infiniti QX50$2,160-$94
3Jaguar E-Pace$2,192-$62
4Lexus RX 350$2,202-$52
5Acura MDX$2,214-$40
6Lexus RX 450h$2,254--
7Lexus RX 350L$2,282$28
8Cadillac XT6$2,298$44
9Volvo V60$2,310$56
10Land Rover Discovery Sport$2,318$64
11Land Rover Discovery$2,328$74
12Lincoln Nautilus$2,340$86
13Lexus RX 450hL$2,346$92
14Volvo V90$2,368$114
15Mercedes-Benz GLE350$2,396$142
16Lincoln Aviator$2,408$154
17Mercedes-Benz AMG GLB35$2,436$182
18Mercedes-Benz GLE450$2,442$188
19Genesis GV80$2,446$192
20Lexus GX 460$2,478$224
21Infiniti QX60$2,488$234
22Audi SQ5$2,526$272
2022 Midsize Luxury SUV Average$2,575$321
23Mercedes-Benz AMG GLC43$2,590$336
24BMW X5$2,718$464
25Audi Q7$2,802$548
26Land Rover Range Rover Sport$2,832$578
27BMW iX$2,854$600
28Audi Q8$2,866$612
29Tesla Model X$2,892$638
30Audi e-tron$2,900$646
31Audi SQ7$2,980$726
32Mercedes-Benz AMG GLE53$3,018$764
33BMW X6$3,086$832
34Mercedes-Benz AMG GLE63$3,216$962
35Porsche Cayenne$3,248$994
36Audi RS 6$3,354$1,100

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.

2022 RX 450h Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Lexus RX 450h Insurance Rates by Trim Level
2022 Lexus RX 450h Trim Level Annual Premium Cost Per Month
Black Line Special Edition AWD$2,224$185
Hybrid AWD$2,234$186
Hybrid F Sport AWD$2,306$192

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 2022 Lexus RX 450h for different driver ages.

2022 Lexus RX 450h Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,916$660
17$7,705$642
18$6,973$581
19$6,323$527
20$4,863$405
21$4,638$387
22$4,167$347
23$3,400$283
24$3,223$269
25$2,618$218
30$2,412$201
35$2,314$193
40$2,254$188
45$2,104$175
50$1,992$166
55$1,858$155
60$1,864$155
65$1,988$166
70$2,128$177
75$2,486$207
80$3,060$255

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.