2022 Lexus RX 450hL Car Insurance Calculator

Learn visually how changes to risk factors and vehicle options influence insurance rates for a 2022 Lexus RX 450hL. Experiment with options like driver's age, policy discounts, and vehicle trim level to see how rates are affected. Know immediately if the change you make results in cheaper or more expensive car insurance.

The average estimated car insurance premium for a 2022 Lexus RX 450hL is $2,346 per year, or about $196 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

$2,346

Cost Per Month

$196

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 2022 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.

$2,346
Average Rate
Your Rate
$2,346

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 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 2022 Lexus RX 450hL is $2,346.

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 450hL Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 Lexus RX 450hL Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac XT5$2,102-$244
2Infiniti QX50$2,160-$186
3Jaguar E-Pace$2,192-$154
4Lexus RX 350$2,202-$144
5Acura MDX$2,214-$132
6Lexus RX 450h$2,254-$92
7Lexus RX 350L$2,282-$64
8Cadillac XT6$2,298-$48
9Volvo V60$2,310-$36
10Land Rover Discovery Sport$2,318-$28
11Land Rover Discovery$2,328-$18
12Lincoln Nautilus$2,340-$6
13Lexus RX 450hL$2,346--
14Volvo V90$2,368$22
15Mercedes-Benz GLE350$2,396$50
16Lincoln Aviator$2,408$62
17Mercedes-Benz AMG GLB35$2,436$90
18Mercedes-Benz GLE450$2,442$96
19Genesis GV80$2,446$100
20Lexus GX 460$2,478$132
21Infiniti QX60$2,488$142
22Audi SQ5$2,526$180
2022 Midsize Luxury SUV Average$2,575$229
23Mercedes-Benz AMG GLC43$2,590$244
24BMW X5$2,718$372
25Audi Q7$2,802$456
26Land Rover Range Rover Sport$2,832$486
27BMW iX$2,854$508
28Audi Q8$2,866$520
29Tesla Model X$2,892$546
30Audi e-tron$2,900$554
31Audi SQ7$2,980$634
32Mercedes-Benz AMG GLE53$3,018$672
33BMW X6$3,086$740
34Mercedes-Benz AMG GLE63$3,216$870
35Porsche Cayenne$3,248$902
36Audi RS 6$3,354$1,008

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 450hL Insurance Rates by Trim Level

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

2022 Lexus RX 450hL Insurance Rates by Trim Level
2022 Lexus RX 450hL Trim Level Annual Premium Cost Per Month
Black Line Special Edition AWD$2,276$190
Hybrid AWD$2,324$194
Hybrid Luxury AWD$2,442$204

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 450hL for different driver ages.

2022 Lexus RX 450hL Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,235$686
17$8,024$669
18$7,278$607
19$6,593$549
20$5,075$423
21$4,839$403
22$4,346$362
23$3,541$295
24$3,359$280
25$2,726$227
30$2,512$209
35$2,406$201
40$2,346$196
45$2,190$183
50$2,072$173
55$1,932$161
60$1,938$162
65$2,070$173
70$2,212$184
75$2,582$215
80$3,180$265

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.