Cheaper Lexus RX 450h Insurance in 2025: Pitfalls to Avoid

How much is insurance for a Lexus RX 450h?

We looked at rates from the Luxury Plug-in Hybrid model to the top level Luxury Plug-in Hybrid trim level to discover how insurance for the RX 450h ranks when compared to the competition.

Start a Free QuoteCompare Lexus RX 450h car insurance quotes and save on your next policy.

  • Lexus RX 450h car insurance rates average $2,476 per year (about $206 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 $2,476 per year, while the RX 450h Luxury Plug-in Hybrid is the most expensive to insure at $2,476 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 $2,476 annually, or about $206 each month. Drivers can plan on paying around $306 less each year for Lexus RX 450h insurance compared to average rate for the midsize luxury SUV segment, but $255 more per year than the $2,221 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.

Average 2024 Lexus RX 450h insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Lexus RX 450h insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2024 model year Lexus RX 450h with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lexus RX 450h trim levels.

2024 Lexus RX 450h Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,672$473
Safe Driver Age 20$4,970$414
At-fault Accidents Age 40$3,484$290
Low Deductibles Age 40$3,298$275
Safe Driver Age 30$2,652$221
Safe Driver Age 40$2,476$206
Safe Driver Age 50$2,188$182
Discount Rate Age 40$2,060$172
High Deductibles Age 40$2,056$171
Safe Driver Age 60$2,048$171

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Lexus RX 450h trim levels. Updated June 27, 2025

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 $206 to $206.

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 Insurance Rates by Trim Level
2024 Lexus RX 450h Trim Level Annual Premium Cost Per Month
Luxury Plug-in Hybrid$2,476$206

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 27, 2025

Insurance cost by trim level for a 2024 Lexus RX 450h
Insurance cost by trim level for a 2024 Lexus RX 450h

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 $2,476 per year for full coverage car insurance, while the class average auto insurance cost is $2,782 per year, a difference of $306 per year.

When compared side-by-side to other midsize luxury SUVs, insurance prices for a Lexus RX 450h cost $126 more per year than the Lexus RX 350, $516 less than the BMW X5, and $134 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.

Insurance Cost Comparison: Lexus RX 450h vs Midsize Luxury SUVs
Rank Make and Model Annual Premium Difference
1Jaguar E-Pace$2,190-$286
2Cadillac XT5$2,210-$266
3Infiniti QX50$2,276-$200
4Cadillac XT6$2,292-$184
5Infiniti QX60$2,304-$172
6Mercedes-Benz AMG GLB35$2,308-$168
7Acura MDX$2,342-$134
8Lexus RX 350$2,350-$126
9Lexus TX 350$2,380-$96
10Lexus RX 350h$2,410-$66
11Lexus TX 500h$2,446-$30
12Lexus RX 500h$2,454-$22
13Lincoln Nautilus$2,472-$4
14Lexus RX 450h$2,476--
15Volvo V90$2,496$20
16Audi SQ5$2,584$108
17Mercedes-Benz GLE350$2,616$140
18Lincoln Aviator$2,636$160
19Lexus GX 550$2,664$188
20Volvo V60$2,742$266
21Land Rover Discovery Sport$2,746$270
22Mercedes-Benz GLE450$2,758$282
23Cadillac Lyriq$2,784$308
24Volvo EX90$2,806$330
25Audi Q7$2,842$366
26Genesis GV80$2,854$378
27Mercedes-Benz AMG GLC43$2,868$392
28Audi e-tron$2,920$444
29Tesla Model X$2,944$468
30BMW X5$2,992$516
31Audi Q8$3,012$536
32Land Rover Discovery$3,026$550
33Mercedes-Benz AMG GLE53$3,046$570
34Audi SQ7$3,148$672
35BMW iX$3,192$716
36BMW X6$3,272$796
37Land Rover Range Rover Sport$3,410$934
38Audi RS 6$3,482$1,006
39Porsche Cayenne$3,506$1,030
40BMW XM$3,844$1,368
41Mercedes-Benz AMG GLE63$3,948$1,472

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 June 26, 2025

At $2,476 per year, insurance cost for a 2024 Lexus RX 450h ranks 14th out of 41 models in the midsize luxury SUV segment
At $2,476 per year, insurance cost for a 2024 Lexus RX 450h ranks 14th out of 41 models in the midsize luxury SUV segment