- Lexus RX 450h car insurance costs an average of $2,608 per year or around $217 per month, but can vary significantly based on driver age.
- The cheapest RX 450 trim level to insure is the Hybrid 4WD trim at an estimated $2,574 per year.
- The RX 450 Hybrid L 4WD is the most expensive to insure at $2,642 per year.
- Out of 30 other midsize luxury SUVs, the Lexus RX 450 ranks 21st for car insurance cost.
How much does Lexus RX 450h car insurance cost?
Ranked 21st out of 30 vehicles in the midsize luxury SUV class, Lexus RX 450 insurance costs around $2,608 annually for full coverage, or $217 monthly. With the average midsize luxury SUV costing $2,499 a year to insure, the Lexus RX 450 could potentially cost around $109 or more annually.
The cost summary chart below demonstrates how average Lexus RX 450 auto insurance rates fluctuate with differences in driver age and different policy deductibles. Insurance cost estimates vary from $1,790 per year for a driver age 60 with $1,000 deductibles to the highest cost of $6,234 annually for a 20-year-old driver with $250 deductibles.
The data table below details average Lexus RX 450 insurance cost for the 2013-2021 model years and a range of rated drivers.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2021 Lexus RX 450 | $5,286 | $2,608 | $2,154 |
| 2020 Lexus RX 450 | $5,110 | $2,522 | $2,082 |
| 2019 Lexus RX 450 | $4,506 | $2,220 | $1,834 |
| 2018 Lexus RX 450 | $4,248 | $2,098 | $1,736 |
| 2017 Lexus RX 450 | $4,182 | $2,068 | $1,710 |
| 2016 Lexus RX 450 | $4,014 | $1,992 | $1,654 |
| 2015 Lexus RX 450 | $4,172 | $2,064 | $1,726 |
| 2014 Lexus RX 450 | $3,608 | $1,796 | $1,498 |
| 2013 Lexus RX 450 | $3,738 | $1,854 | $1,554 |
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 450 trim levels for each model year. Updated October 24, 2025
The table below displays the estimated yearly and 6-month policy costs, plus a monthly budget figure, for each Lexus RX 450 model and trim level.
| 2021 Lexus RX 450 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Hybrid 4WD | $2,574 | $215 |
| Hybrid L 4WD | $2,642 | $220 |
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. Updated October 24, 2025
Lexus RX 450h car insurance rates vs. the competition
When compared directly to the best-selling models in the midsize luxury SUV category, car insurance prices for a Lexus RX 450 cost $410 more per year than the Lexus RX 350, $16 less than the BMW X5, and $300 more than the Acura MDX.
The Lexus RX 450 ranks 21st out of 30 total vehicles in the midsize luxury SUV category for most affordable insurance cost. The RX 450 costs an average of $2,608 per year for an auto insurance policy with full coverage, while the category median cost is $2,499 per year, a difference of $109 per year.
The table displayed below shows how insurance cost for a 2021 Lexus RX 450 compares to other midsize luxury SUVs like the Cadillac XT5, Lexus GX 460, and the Infiniti QX60.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Volvo V60 | $2,052 | -$556 |
| 2 | Cadillac XT5 | $2,098 | -$510 |
| 3 | Lincoln Nautilus | $2,160 | -$448 |
| 4 | Lexus RX 350 | $2,198 | -$410 |
| 5 | Infiniti QX50 | $2,208 | -$400 |
| 6 | Jaguar E-Pace | $2,220 | -$388 |
| 7 | Lexus RX 350L | $2,260 | -$348 |
| 8 | Cadillac XT6 | $2,282 | -$326 |
| 9 | Acura MDX | $2,308 | -$300 |
| 10 | Genesis GV80 | $2,350 | -$258 |
| 11 | Mercedes-Benz GLE450 | $2,360 | -$248 |
| 12 | Lincoln Aviator | $2,384 | -$224 |
| 13 | Volvo V90 | $2,396 | -$212 |
| 14 | Infiniti QX60 | $2,436 | -$172 |
| 15 | Land Rover Discovery Sport | $2,444 | -$164 |
| 16 | Lexus GX 460 | $2,482 | -$126 |
| 17 | Mercedes-Benz AMG GLC43 | $2,544 | -$64 |
| 18 | Land Rover Discovery | $2,562 | -$46 |
| 19 | Audi SQ5 | $2,568 | -$40 |
| 20 | Mercedes-Benz GLE350 | $2,578 | -$30 |
| 21 | Lexus RX 450 | $2,608 | -- |
| 22 | Audi Q8 | $2,620 | $12 |
| 23 | BMW X5 | $2,624 | $16 |
| 24 | Mercedes-Benz AMG GLC63 | $2,706 | $98 |
| 25 | Audi Q7 | $2,710 | $102 |
| 26 | Audi e-tron | $2,796 | $188 |
| 27 | BMW X6 | $2,864 | $256 |
| 28 | Tesla Model X | $2,958 | $350 |
| 29 | Porsche Cayenne | $3,030 | $422 |
| 30 | Mercedes-Benz AMG GLE63 | $3,164 | $556 |
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 vehicle from the 2021 model year. Updated October 24, 2025
