Lexus RX 450h Car Insurance Rates for 2023

How much is insurance for a Lexus RX 450h?

We looked at rates from the Hybrid AWD model to the top level Hybrid F Sport AWD trim level to discover how insurance for the RX 450h ranks when compared to the competition.

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  • Lexus RX 450h car insurance rates average $1,858 per year (about $155 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 Hybrid AWD trim at $1,832 per year, while the RX 450h Hybrid F Sport AWD is the most expensive to insure at $1,886 per year.
  • Out of 37 other 2023 model year midsize luxury SUVs, the RX 450h ranks 11th for more affordable insurance cost.

How much does Lexus RX 450h insurance cost?

Lexus RX 450h insurance costs around $1,858 annually, or about $155 each month. Drivers can plan on paying around $192 less each year for Lexus RX 450h insurance compared to average rate for the midsize luxury SUV segment, but $173 more per year than the $1,685 average for all vehicles combined.

The price summary chart below displays average insurance rates for a 2023 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.

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Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on December 29, 2022
Lexus RX 450h Insurance Cost Summary
Lexus RX 450h Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,236$353
Safe Driver Age 20$3,708$309
At-fault Accidents Age 40$2,612$218
Low Deductibles Age 40$2,468$206
Safe Driver Age 30$1,970$164
Safe Driver Age 40$1,858$155
Safe Driver Age 50$1,694$141
Safe Driver Age 60$1,664$139
High Deductibles Age 40$1,546$129
Discount Rate Age 40$1,544$129

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 2023 Lexus RX 450h starting at $53,350, monthly insurance rates range from $153 to $157.

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.

2023 Lexus RX 450h Insurance Cost by Trim Level
Lexus RX 450h Trim Level Annual Policy 6-month Policy Per Month
Hybrid AWD$1,832$916$153
Hybrid F Sport AWD$1,886$943$157

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Lexus RX 450h, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Lexus RX 450h Insurance Cost by Trim Level

Is the Lexus RX 450h expensive to insure?

The Lexus RX 450h ranks 11th out of 37 total vehicles in the 2023 midsize luxury SUV category for car insurance affordability. The RX 450h costs an average of $1,858 per year for full coverage car insurance, while the class average auto insurance cost is $2,050 per year, a difference of $192 per year.

When compared side-by-side to other midsize luxury SUVs, insurance prices for a Lexus RX 450h cost $280 more per year than the Lexus RX 350, $372 less than the BMW X5, and $102 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/Model Insurance Cost Difference
1Lexus RX 350$1,578-$280
2Infiniti QX50$1,632-$226
3Cadillac XT5$1,676-$182
4Cadillac XT6$1,716-$142
5Acura MDX$1,756-$102
6Lincoln Nautilus$1,786-$72
7Lexus RX 350L$1,804-$54
8Land Rover Discovery Sport$1,806-$52
9Jaguar E-Pace$1,808-$50
10Volvo V90$1,838-$20
11Lexus RX 450h$1,858--
12Lexus GX 460$1,880$22
13Lexus RX 450hL$1,890$32
14Volvo V60$1,896$38
15Mercedes-Benz AMG GLB35$1,934$76
16Genesis GV80$1,936$78
17Audi SQ5$1,940$82
18Lincoln Aviator$1,958$100
19Infiniti QX60$1,974$116
20Mercedes-Benz GLE450$1,990$132
21Mercedes-Benz GLE350$2,014$156
22Land Rover Discovery$2,022$164
23Mercedes-Benz AMG GLC43$2,056$198
24Audi Q7$2,104$246
25Audi e-tron$2,174$316
26Tesla Model X$2,184$326
27Mercedes-Benz AMG GLE53$2,190$332
28BMW X5$2,230$372
29Audi Q8$2,238$380
30Land Rover Range Rover Sport$2,254$396
31Audi SQ7$2,362$504
32BMW iX$2,396$538
33BMW X6$2,442$584
34Porsche Cayenne$2,462$604
35Mercedes-Benz AMG GLE63$2,582$724
36Audi RS 6$2,624$766
37BMW XM$2,872$1,014

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Insurance Cost Comparison: Lexus RX 450h vs Midsize Luxury SUVs