Lexus RX 450hL Car Insurance Calculator

Watch in real-time how choices you make impact the cost of car insurance for a Lexus RX 450hL. Modify choices like liability limits, policy deductibles, driver age, and policy discounts. Instantly know if and why the choice you make has an impact on insurance rates.

The average estimated car insurance premium for a 2023 Lexus RX 450hL is $2,454 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

$2,454

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 450hL 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 450hL.

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.

$2,454
Average Rate
Your Rate
$2,454

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 450hL.

The 'Average Rate' is a combined value for all Lexus RX 450hL 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 450hL is $2,454.

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 450hL Segment Comparison

The table below compares insurance rates for the 2023 Lexus RX 450hL against all other models in the midsize luxury SUV segment. The Lexus RX 450hL 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 450hL, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus RX 450hL.

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

2023 Lexus RX 450hL Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus RX 350$2,044-$410
2Infiniti QX50$2,112-$342
3Cadillac XT5$2,166-$288
4Cadillac XT6$2,206-$248
5Acura MDX$2,272-$182
6Lincoln Nautilus$2,306-$148
7Lexus RX 350L$2,332-$122
8Land Rover Discovery Sport$2,334-$120
9Jaguar E-Pace$2,356-$98
10Volvo V90$2,376-$78
11Lexus RX 450h$2,404-$50
12Lexus GX 460$2,430-$24
13Volvo V60$2,446-$8
14Lexus RX 450hL$2,454--
15Mercedes-Benz AMG GLB35$2,500$46
16Genesis GV80$2,504$50
17Audi SQ5$2,512$58
18Lincoln Aviator$2,532$78
19Infiniti QX60$2,548$94
20Mercedes-Benz GLE450$2,570$116
21Mercedes-Benz GLE350$2,604$150
22Land Rover Discovery$2,616$162
2023 Midsize Luxury SUV Average$2,652$198
23Mercedes-Benz AMG GLC43$2,654$200
24Audi Q7$2,720$266
25Audi e-tron$2,814$360
26Tesla Model X$2,826$372
27Mercedes-Benz AMG GLE53$2,830$376
28BMW X5$2,886$432
29Audi Q8$2,894$440
30Land Rover Range Rover Sport$2,918$464
31Audi SQ7$3,056$602
32BMW iX$3,102$648
33BMW X6$3,160$706
34Porsche Cayenne$3,186$732
35Mercedes-Benz AMG GLE63$3,340$886
36Audi RS 6$3,394$940
37BMW XM$3,722$1,268

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 450hL Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Lexus RX 450hL.

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 450hL Insurance Rates by Trim Level
2023 Lexus RX 450hL Trim Level Annual Premium Cost Per Month
Hybrid AWD$2,396$200
Hybrid Luxury AWD$2,514$210

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 450hL for different driver ages.

2023 Lexus RX 450hL Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,633$719
17$8,405$700
18$7,614$635
19$6,901$575
20$5,306$442
21$5,064$422
22$4,547$379
23$3,708$309
24$3,516$293
25$2,854$238
30$2,624$219
35$2,520$210
40$2,454$205
45$2,288$191
50$2,166$181
55$2,022$169
60$2,030$169
65$2,164$180
70$2,318$193
75$2,710$226
80$3,334$278

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 450hL trim levels.

Average Rates by Model Year

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

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 450hL Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2023 Lexus RX 450hL$2,454$205
2022 Lexus RX 450hL$2,346$196
2018 Lexus RX 450hL$2,120$177

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 450hL trim levels for each model year.