Lexus RX 450 Insurance Rates: 2025 Cost and Comparisons

How much does car insurance for a Lexus RX 450 cost? We break down rates for the Hybrid and Hybrid L trim levels to discover how average insurance prices rank when compared to all other midsize luxury SUVs.

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  • Lexus RX 450h car insurance costs an average of $2,546 per year or around $212 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 $2,514 per year.
  • The RX 450 Hybrid L 4WD is the most expensive to insure at $2,578 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 $2,546 annually for full coverage, or $212 monthly. With the average midsize luxury SUV costing $2,440 a year to insure, the Lexus RX 450 could potentially cost around $106 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 $1,748 per year for a driver age 60 with $1,000 deductibles to the highest cost of $6,088 annually for a 20-year-old driver with $250 deductibles.

Average 2021 Lexus RX 450 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2021 Lexus RX 450 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2021 model year Lexus RX 450. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2021 Lexus RX 450 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,292$358
$500$5,162$430
$250$6,088$507
30-Year-Old$1,000$2,248$187
$500$2,724$227
$250$3,224$269
40-Year-Old$1,000$2,108$176
$500$2,546$212
$250$3,006$251
50-Year-Old$1,000$1,864$155
$500$2,244$187
$250$2,638$220
60-Year-Old$1,000$1,748$146
$500$2,102$175
$250$2,474$206

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2021 Lexus RX 450. Updated June 27, 2025

The data table below details average Lexus RX 450 insurance cost for the 2013-2021 model years and a range of rated drivers.

Lexus RX 450 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2021 Lexus RX 450$5,162$2,546$2,102
2020 Lexus RX 450$4,988$2,460$2,034
2019 Lexus RX 450$4,398$2,168$1,788
2018 Lexus RX 450$4,144$2,046$1,692
2017 Lexus RX 450$4,082$2,018$1,668
2016 Lexus RX 450$3,920$1,946$1,614
2015 Lexus RX 450$4,070$2,012$1,686
2014 Lexus RX 450$3,520$1,756$1,464
2013 Lexus RX 450$3,646$1,808$1,516

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 June 27, 2025

Average insurance rates for 2013 to 2021 Lexus RX 450 models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2021 Lexus RX 450 models for drivers age 20, 40 and 60

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 Insurance Rates by Trim Level
2021 Lexus RX 450 Trim Level Annual Premium Cost Per Month
Hybrid 4WD$2,514$210
Hybrid L 4WD$2,578$215

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 June 26, 2025

Insurance cost by trim level for a 2021 Lexus RX 450 ranging from the Hybrid 4WD model at $2,514 per year to the Hybrid L 4WD model at $2,578
Insurance cost by trim level for a 2021 Lexus RX 450 ranging from the Hybrid 4WD model at $2,514 per year to the Hybrid L 4WD model at $2,578

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 $400 more per year than the Lexus RX 350, $16 less than the BMW X5, and $292 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 $2,546 per year for an auto insurance policy with full coverage, while the category median cost is $2,440 per year, a difference of $106 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.

Insurance Cost Comparison: Lexus RX 450 vs Midsize Luxury SUVs
Rank Make and Model Annual Premium Difference
1Volvo V60$2,004-$542
2Cadillac XT5$2,048-$498
3Lincoln Nautilus$2,108-$438
4Lexus RX 350$2,146-$400
5Infiniti QX50$2,154-$392
6Jaguar E-Pace$2,166-$380
7Lexus RX 350L$2,206-$340
8Cadillac XT6$2,228-$318
9Acura MDX$2,254-$292
10Genesis GV80$2,296-$250
11Mercedes-Benz GLE450$2,302-$244
12Lincoln Aviator$2,326-$220
13Volvo V90$2,340-$206
14Infiniti QX60$2,378-$168
15Land Rover Discovery Sport$2,388-$158
16Lexus GX 460$2,424-$122
17Mercedes-Benz AMG GLC43$2,484-$62
18Land Rover Discovery$2,500-$46
19Audi SQ5$2,508-$38
20Mercedes-Benz GLE350$2,518-$28
21Lexus RX 450$2,546--
22Audi Q8$2,560$14
23BMW X5$2,562$16
24Mercedes-Benz AMG GLC63$2,642$96
25Audi Q7$2,646$100
26Audi e-tron$2,730$184
27BMW X6$2,796$250
28Tesla Model X$2,888$342
29Porsche Cayenne$2,958$412
30Mercedes-Benz AMG GLE63$3,090$544

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 June 26, 2025

At $2,546 per year, insurance cost for a 2021 Lexus RX 450 ranks 21st out of 30 models in the midsize luxury SUV segment
At $2,546 per year, insurance cost for a 2021 Lexus RX 450 ranks 21st out of 30 models in the midsize luxury SUV segment