Lexus RZ 450e Car Insurance Calculator

Monitor in real-time how different factors impact the cost of insurance for a Lexus RZ 450e. Modify options like vehicle usage, gender of the driver, and marital status to learn how rates change. See instantly if the choice you make has an impact on rates and why.

The average estimated car insurance premium for a 2024 Lexus RZ 450e is $2,478 per year, or about $207 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

$2,478

Cost Per Month

$207

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 RZ 450e 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 RZ 450e.

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.

$2,478
Average Rate
Your Rate
$2,478

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 RZ 450e.

The 'Average Rate' is a combined value for all Lexus RZ 450e 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 2024 Lexus RZ 450e is $2,478.

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.

2024 Lexus RZ 450e Segment Comparison

The table below compares insurance rates for the 2024 Lexus RZ 450e against all other models in the small luxury SUV segment. The Lexus RZ 450e 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 RZ 450e, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus RZ 450e.

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

2024 Lexus RZ 450e Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,958-$520
2Lexus NX 250$2,072-$406
3Cadillac XT4$2,114-$364
4Lexus NX 350h$2,210-$268
5Lincoln Corsair$2,236-$242
6Mercedes-Benz GLB 250$2,240-$238
7Lexus UX 250h$2,246-$232
8Lexus NX 450h$2,258-$220
9Mercedes-Benz GLA250$2,282-$196
10Mercedes-Benz GLA35 AMG$2,290-$188
11Land Rover Evoque$2,336-$142
12Lexus NX 350$2,348-$130
13Volvo XC40$2,356-$122
14Volvo XC60$2,370-$108
15Alfa Romeo Tonale$2,376-$102
16Mercedes-Benz GLA45 AMG$2,388-$90
17BMW X1$2,420-$58
18Infiniti QX55$2,424-$54
19Volvo C40$2,442-$36
20BMW X2$2,452-$26
21Lexus RZ 450e$2,478--
22Mercedes-Benz EQB 300$2,492$14
23Mercedes-Benz GLC300$2,512$34
2024 Small Luxury SUV Average$2,541$63
24Mercedes-Benz EQB 350$2,552$74
25Genesis GV70$2,582$104
26Audi Q3$2,596$118
27Audi Q5$2,606$128
28Alfa Romeo Stelvio$2,630$152
29Land Rover Range Rover Velar$2,660$182
30BMW X4$2,712$234
31Audi Q4$2,736$258
32BMW X3$2,764$286
33Genesis GV60$2,848$370
34Porsche Macan$2,894$416
35Jaguar I-Pace$2,926$448
36Land Rover Defender$3,042$564
37Jaguar F-Pace$3,130$652
38Aston Martin DBX$4,562$2,084

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.

2024 RZ 450e Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Lexus RZ 450e.

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.

2024 Lexus RZ 450e Insurance Rates by Trim Level
2024 Lexus RZ 450e Trim Level Annual Premium Cost Per Month
Premium AWD$2,428$202
Luxury AWD$2,530$211

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 2024 Lexus RZ 450e for different driver ages.

2024 Lexus RZ 450e Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,631$719
17$8,401$700
18$7,610$634
19$6,908$576
20$5,321$443
21$5,079$423
22$4,567$381
23$3,738$312
24$3,542$295
25$2,878$240
30$2,652$221
35$2,546$212
40$2,478$207
45$2,314$193
50$2,188$182
55$2,044$170
60$2,050$171
65$2,180$182
70$2,334$195
75$2,720$227
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 RZ 450e trim levels.

Average Rates by Model Year

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

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 RZ 450e Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Lexus RZ 450e$2,478$207
2023 Lexus RZ 450e$2,330$194

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 RZ 450e trim levels for each model year.