- Lexus RX 450h car insurance rates average $2,538 per year (about $212 per month) for full coverage, but can vary based on the age of the rated driver.
- The cheapest RX 450h model to insure is the Luxury Plug-in Hybrid trim at $2,538 per year, while the RX 450h Luxury Plug-in Hybrid is the most expensive to insure at $2,538 per year.
- Out of 41 other 2024 model year midsize luxury SUVs, the RX 450h ranks 14th for more affordable insurance cost.
How much does Lexus RX 450h insurance cost?
Lexus RX 450h insurance costs around $2,538 annually, or about $212 each month. Drivers can plan on paying around $312 less each year for Lexus RX 450h insurance compared to average rate for the midsize luxury SUV segment, but $262 more per year than the $2,276 average for all vehicles combined.
The price summary chart below displays average insurance rates for a 2024 Lexus RX 450h using different combinations of driver age and risk. Younger and higher-risk drivers tend to have more expensive car insurance rates, while more mature safe drivers have the cheapest rates.
As shown in the chart above, rates can vary substantially by factors like driver age, driving record, and prior accidents. Another factor that influences rates is the trim level of the vehicle you’re insuring. Higher level trims tend to cost more, which usually results in an increase in car insurance cost.
With MSRP on the 2024 Lexus RX 450h starting at $70,080, monthly insurance rates range from $212 to $212.
The rate table below shows the estimated yearly and 6-month policy costs, in addition to a monthly budget figure, for each Lexus RX 450h model package and trim level.
| 2024 Lexus RX 450h Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Luxury Plug-in Hybrid | $2,538 | $212 |
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
Is the Lexus RX 450h expensive to insure?
The Lexus RX 450h ranks 14th out of 41 total vehicles in the 2024 midsize luxury SUV category for car insurance affordability. The RX 450h costs an average of $2,538 per year for full coverage car insurance, while the class average auto insurance cost is $2,850 per year, a difference of $312 per year.
When compared side-by-side to other midsize luxury SUVs, insurance prices for a Lexus RX 450h cost $132 more per year than the Lexus RX 350, $530 less than the BMW X5, and $142 more than the Acura MDX.
The next table shows how average Lexus RX 450h car insurance rates rank when compared to all models in the midsize luxury SUV segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Jaguar E-Pace | $2,242 | -$296 |
| 2 | Cadillac XT5 | $2,264 | -$274 |
| 3 | Infiniti QX50 | $2,330 | -$208 |
| 4 | Cadillac XT6 | $2,348 | -$190 |
| 5 | Infiniti QX60 | $2,358 | -$180 |
| 6 | Mercedes-Benz AMG GLB35 | $2,364 | -$174 |
| 7 | Acura MDX | $2,396 | -$142 |
| 8 | Lexus RX 350 | $2,406 | -$132 |
| 9 | Lexus TX 350 | $2,440 | -$98 |
| 10 | Lexus RX 350h | $2,468 | -$70 |
| 11 | Lexus TX 500h | $2,506 | -$32 |
| 12 | Lexus RX 500h | $2,514 | -$24 |
| 13 | Lincoln Nautilus | $2,534 | -$4 |
| 14 | Lexus RX 450h | $2,538 | -- |
| 15 | Volvo V90 | $2,558 | $20 |
| 16 | Audi SQ5 | $2,646 | $108 |
| 17 | Mercedes-Benz GLE350 | $2,680 | $142 |
| 18 | Lincoln Aviator | $2,698 | $160 |
| 19 | Lexus GX 550 | $2,728 | $190 |
| 20 | Volvo V60 | $2,808 | $270 |
| 21 | Land Rover Discovery Sport | $2,814 | $276 |
| 22 | Mercedes-Benz GLE450 | $2,826 | $288 |
| 23 | Cadillac Lyriq | $2,852 | $314 |
| 24 | Volvo EX90 | $2,876 | $338 |
| 25 | Audi Q7 | $2,912 | $374 |
| 26 | Genesis GV80 | $2,926 | $388 |
| 27 | Mercedes-Benz AMG GLC43 | $2,938 | $400 |
| 28 | Audi e-tron | $2,994 | $456 |
| 29 | Tesla Model X | $3,016 | $478 |
| 30 | BMW X5 | $3,068 | $530 |
| 31 | Audi Q8 | $3,082 | $544 |
| 32 | Land Rover Discovery | $3,100 | $562 |
| 33 | Mercedes-Benz AMG GLE53 | $3,120 | $582 |
| 34 | Audi SQ7 | $3,224 | $686 |
| 35 | BMW iX | $3,272 | $734 |
| 36 | BMW X6 | $3,350 | $812 |
| 37 | Land Rover Range Rover Sport | $3,492 | $954 |
| 38 | Audi RS 6 | $3,564 | $1,026 |
| 39 | Porsche Cayenne | $3,594 | $1,056 |
| 40 | BMW XM | $3,938 | $1,400 |
| 41 | Mercedes-Benz AMG GLE63 | $4,046 | $1,508 |
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 2024 model year. Updated October 24, 2025
