2018 Lexus RX 450hL Car Insurance Calculator

Watch in real-time how choices you make impact the cost of insurance for a 2018 Lexus RX 450hL. Make changes to factors like your marital status, location, and homeowner status to see their effect on premiums. Immediately discover if rates get cheaper or more expensive and why.

The average estimated car insurance premium for a 2018 Lexus RX 450hL is $2,120 per year, or about $177 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

$2,120

Cost Per Month

$177

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 2018 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.

$2,120
Average Rate
Your Rate
$2,120

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 2018 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 2018 Lexus RX 450hL is $2,120.

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.

2018 Lexus RX 450hL Segment Comparison

The table below compares insurance rates for the 2018 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.

2018 Lexus RX 450hL Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo V60$1,696-$424
2Cadillac XT5$1,758-$362
3Lexus RX 350L$1,818-$302
4Lincoln MKT$1,864-$256
5Lexus RX 350$1,890-$230
6Lincoln MKX$1,940-$180
7Jaguar E-Pace$1,956-$164
8Acura MDX$1,978-$142
9Audi SQ5$2,004-$116
10Lexus RX 450$2,046-$74
11Volvo V90$2,060-$60
12Lexus GX 460$2,062-$58
13Infiniti QX60$2,078-$42
14Land Rover Discovery$2,090-$30
15Lexus RX 450hL$2,120--
2018 Midsize Luxury SUV Average$2,181$61
16Mercedes-Benz AMG GLC43$2,206$86
17Audi Q7$2,218$98
18Mercedes-Benz GLE350$2,238$118
19BMW X5$2,282$162
20Mercedes-Benz AMG GLC63$2,438$318
21Maserati Levante$2,522$402
22Tesla Model X$2,610$490
23Mercedes-Benz AMG GLE43$2,612$492
24Porsche Cayenne$2,724$604
25Mercedes-Benz AMG GLE63$2,736$616
26BMW X6$2,756$636

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.

2018 RX 450hL Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Lexus RX 450hL Insurance Rates by Trim Level
2018 Lexus RX 450hL Trim Level Annual Premium Cost Per Month
4WD Hybrid$2,120$177
Luxury 4WD Hybrid$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.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2018 Lexus RX 450hL for different driver ages.

2018 Lexus RX 450hL Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,618$635
17$7,363$614
18$6,565$547
19$5,991$499
20$4,579$382
21$4,367$364
22$3,904$325
23$3,216$268
24$3,033$253
25$2,464$205
30$2,258$188
35$2,178$182
40$2,120$177
45$1,984$165
50$1,882$157
55$1,758$147
60$1,762$147
65$1,876$156
70$2,034$170
75$2,406$201
80$2,966$247

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.