Lexus RX 450h Car Insurance Rates for 2022

How much will insurance cost on a Lexus RX 450h? We compare and rank rates from the Black Line SE up to the Hybrid F Sport model to see how prices measure up.

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  • Lexus RX 450h car insurance rates average $1,608 per year (about $134 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 Black Line Special Edition AWD trim at $1,584 per year, while the RX 450h Hybrid F Sport AWD is the most expensive to insure at $1,644 per year.
  • Out of 36 other 2022 model year midsize luxury SUVs, the RX 450h ranks #6 for more affordable insurance cost.

How much does Lexus RX 450h insurance cost?

Lexus RX 450h insurance costs around $1,608 annually, or about $134 each month. Drivers can plan on paying around $235 less each year for Lexus RX 450h insurance compared to average rate for the midsize luxury SUV segment, but $41 more per year than the $1,567 average for all vehicles combined.

The price summary chart below displays average insurance rates for a 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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 July 25, 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$3,640$303
Safe Driver Age 20$3,188$266
At-fault Accidents Age 40$2,250$188
Low Deductibles Age 40$2,138$178
Safe Driver Age 30$1,706$142
Safe Driver Age 40$1,608$134
Safe Driver Age 50$1,462$122
Safe Driver Age 60$1,436$120
Discount Rate Age 40$1,338$112
High Deductibles Age 40$1,336$111

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 2022 Lexus RX 450h starting at $51,500, monthly insurance rates range from $132 to $137.

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.

2022 Lexus RX 450h Insurance Cost by Trim Level
Lexus RX 450h Trim Level Annual Policy 6-month Policy Per Month
Black Line Special Edition AWD$1,584$792$132
Hybrid AWD$1,592$796$133
Hybrid F Sport AWD$1,644$822$137

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 July 25, 2022
Lexus RX 450h Insurance Cost by Trim Level

Is the Lexus RX 450h expensive to insure?

The Lexus RX 450h ranks #6 out of 36 total vehicles in the 2022 midsize luxury SUV category for car insurance affordability. The RX 450h costs an average of $1,608 per year for full coverage car insurance, while the class average auto insurance cost is $1,843 per year, a difference of $235 per year.

When compared side-by-side to other midsize luxury SUVs, insurance prices for a Lexus RX 450h cost $38 more per year than the Lexus RX 350, $330 less than the BMW X5, and $30 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
1Cadillac XT5$1,500-$108
2Jaguar E-Pace$1,564-$44
3Lexus RX 350$1,570-$38
4Acura MDX$1,578-$30
5Lincoln Nautilus$1,594-$14
6Lexus RX 450h$1,608--
7Infiniti QX50$1,614$6
8Lexus RX 350L$1,628$20
9Cadillac XT6$1,640$32
10Volvo V60$1,648$40
11Land Rover Discovery$1,660$52
12Land Rover Discovery Sport$1,662$54
13Lexus RX 450hL$1,676$68
14Volvo V90$1,688$80
15Lincoln Aviator$1,720$112
16Mercedes-Benz AMG GLB35$1,740$132
17Mercedes-Benz GLE450$1,744$136
18Lexus GX 460$1,766$158
19Infiniti QX60$1,774$166
20Mercedes-Benz GLE350$1,784$176
21Genesis GV80$1,818$210
22Mercedes-Benz AMG GLC43$1,846$238
23Audi SQ5$1,874$266
24BMW X5$1,938$330
25Audi Q8$1,966$358
26Audi Q7$1,998$390
27Land Rover Range Rover Sport$2,020$412
28BMW iX$2,034$426
29Tesla Model X$2,064$456
30Audi SQ7$2,124$516
31Audi e-tron$2,144$536
32Mercedes-Benz AMG GLE53$2,150$542
33BMW X6$2,200$592
34Mercedes-Benz AMG GLE63$2,292$684
35Porsche Cayenne$2,314$706
36Audi RS 6$2,390$782

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 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 July 25, 2022
Insurance Cost Comparison: Lexus RX 450h vs Midsize Luxury SUVs