2023 Lexus RZ 450e Car Insurance Calculator

Explore and understand how changes to risk factors and vehicle options influence insurance rates for a 2023 Lexus RZ 450e. Fine-tune factors like liability limits, policy deductibles, driver age, and policy discounts. Instantly know if the choice you make raises or lowers the cost of insurance.

The average estimated car insurance premium for a 2023 Lexus RZ 450e is $2,330 per year, or about $194 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

$2,330

Cost Per Month

$194

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 2023 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.

$2,330
Average Rate
Your Rate
$2,330

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 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 2023 Lexus RZ 450e is $2,330.

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 RZ 450e Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Lexus RZ 450e Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,904-$426
2Cadillac XT4$2,056-$274
3Volvo XC40$2,100-$230
4Lexus UX 250h$2,132-$198
5Mercedes-Benz GLA250$2,212-$118
6Mercedes-Benz GLB 250$2,234-$96
7Lexus NX 250$2,248-$82
8Lexus NX 350h$2,276-$54
9Lexus NX 350$2,290-$40
10Lincoln Corsair$2,292-$38
11Lexus NX 450h$2,302-$28
12BMW X1$2,310-$20
13Alfa Romeo Tonale$2,320-$10
14Mercedes-Benz GLC300$2,324-$6
15Lexus RZ 450e$2,330--
16Volvo XC60$2,336$6
17Audi Q3$2,348$18
18Land Rover Evoque$2,364$34
19Volvo C40$2,386$56
20BMW X2$2,428$98
21Infiniti QX55$2,462$132
2023 Small Luxury SUV Average$2,468$138
22Mercedes-Benz GLA35 AMG$2,472$142
23Genesis GV70$2,514$184
24Mercedes-Benz EQB 300$2,526$196
25Genesis GV60$2,534$204
26Mercedes-Benz GLA45 AMG$2,542$212
27Alfa Romeo Stelvio$2,556$226
28Audi Q5$2,574$244
29Land Rover Range Rover Velar$2,582$252
30Mercedes-Benz EQB 350$2,590$260
31BMW X4$2,632$302
32Land Rover Defender$2,644$314
33Jaguar F-Pace$2,656$326
34Audi Q4$2,668$338
35Porsche Macan$2,678$348
36BMW X3$2,684$354
37Jaguar I-Pace$2,840$510
38Aston Martin DBX$4,436$2,106

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 RZ 450e Insurance Rates by Trim Level

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

2023 Lexus RZ 450e Insurance Rates by Trim Level
2023 Lexus RZ 450e Trim Level Annual Premium Cost Per Month
Base$2,312$193
F Sport$2,346$196

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 RZ 450e for different driver ages.

2023 Lexus RZ 450e Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,122$677
17$7,894$658
18$7,130$594
19$6,480$540
20$4,989$416
21$4,763$397
22$4,277$356
23$3,509$292
24$3,323$277
25$2,700$225
30$2,488$207
35$2,392$199
40$2,330$194
45$2,172$181
50$2,060$172
55$1,922$160
60$1,926$161
65$2,048$171
70$2,196$183
75$2,566$214
80$3,146$262

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.