2023 Lexus RX 450h Car Insurance Calculator

Monitor in real-time how life choices affect car insurance rates for a 2023 Lexus RX 450h. Change your location, homeowner status, credit score, and policy coverages plus many other factors. Get instant feedback if the choice you made raises or lower rates and why.

The average estimated car insurance premium for a 2023 Lexus RX 450h is $2,404 per year, or about $200 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

$2,404

Cost Per Month

$200

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 2023 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.

$2,404
Average Rate
Your Rate
$2,404

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 2023 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 2023 Lexus RX 450h is $2,404.

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.

2023 Lexus RX 450h Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Lexus RX 450h Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus RX 350$2,044-$360
2Infiniti QX50$2,112-$292
3Cadillac XT5$2,166-$238
4Cadillac XT6$2,206-$198
5Acura MDX$2,272-$132
6Lincoln Nautilus$2,306-$98
7Lexus RX 350L$2,332-$72
8Land Rover Discovery Sport$2,334-$70
9Jaguar E-Pace$2,356-$48
10Volvo V90$2,376-$28
11Lexus RX 450h$2,404--
12Lexus GX 460$2,430$26
13Volvo V60$2,446$42
14Lexus RX 450hL$2,454$50
15Mercedes-Benz AMG GLB35$2,500$96
16Genesis GV80$2,504$100
17Audi SQ5$2,512$108
18Lincoln Aviator$2,532$128
19Infiniti QX60$2,548$144
20Mercedes-Benz GLE450$2,570$166
21Mercedes-Benz GLE350$2,604$200
22Land Rover Discovery$2,616$212
2023 Midsize Luxury SUV Average$2,652$248
23Mercedes-Benz AMG GLC43$2,654$250
24Audi Q7$2,720$316
25Audi e-tron$2,814$410
26Tesla Model X$2,826$422
27Mercedes-Benz AMG GLE53$2,830$426
28BMW X5$2,886$482
29Audi Q8$2,894$490
30Land Rover Range Rover Sport$2,918$514
31Audi SQ7$3,056$652
32BMW iX$3,102$698
33BMW X6$3,160$756
34Porsche Cayenne$3,186$782
35Mercedes-Benz AMG GLE63$3,340$936
36Audi RS 6$3,394$990
37BMW XM$3,722$1,318

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.

2023 RX 450h Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Lexus RX 450h Insurance Rates by Trim Level
2023 Lexus RX 450h Trim Level Annual Premium Cost Per Month
Hybrid AWD$2,370$198
Hybrid F Sport AWD$2,438$203

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 2023 Lexus RX 450h for different driver ages.

2023 Lexus RX 450h Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,502$709
17$8,274$690
18$7,487$624
19$6,785$565
20$5,211$434
21$4,971$414
22$4,461$372
23$3,632$303
24$3,446$287
25$2,794$233
30$2,568$214
35$2,466$206
40$2,404$200
45$2,242$187
50$2,122$177
55$1,982$165
60$1,988$166
65$2,122$177
70$2,276$190
75$2,664$222
80$3,282$274

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.