- Lexus RX 450h car insurance rates average $1,596 per year (about $133 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 $1,574 per year, while the RX 450h Hybrid F Sport AWD is the most expensive to insure at $1,632 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 $1,596 annually, or about $133 each month. Drivers can plan on paying around $233 less each year for Lexus RX 450h insurance compared to average rate for the midsize luxury SUV segment, but $45 more per year than the $1,551 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.
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 $131 to $136.
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.
| Lexus RX 450h Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| Black Line Special Edition AWD | $1,574 | $787 | $131 |
| Hybrid AWD | $1,580 | $790 | $132 |
| Hybrid F Sport AWD | $1,632 | $816 | $136 |
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 $1,596 per year for full coverage car insurance, while the class average auto insurance cost is $1,829 per year, a difference of $233 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, $326 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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Cadillac XT5 | $1,488 | -$108 |
| 2 | Jaguar E-Pace | $1,550 | -$46 |
| 3 | Lexus RX 350 | $1,558 | -$38 |
| 4 | Acura MDX | $1,566 | -$30 |
| 5 | Lincoln Nautilus | $1,580 | -$16 |
| 6 | Lexus RX 450h | $1,596 | -- |
| 7 | Infiniti QX50 | $1,600 | $4 |
| 8 | Lexus RX 350L | $1,614 | $18 |
| 9 | Cadillac XT6 | $1,626 | $30 |
| 10 | Volvo V60 | $1,636 | $40 |
| 11 | Land Rover Discovery | $1,646 | $50 |
| 12 | Land Rover Discovery Sport | $1,650 | $54 |
| 13 | Lexus RX 450hL | $1,660 | $64 |
| 14 | Volvo V90 | $1,676 | $80 |
| 15 | Lincoln Aviator | $1,706 | $110 |
| 16 | Mercedes-Benz GLE450 | $1,728 | $132 |
| 17 | Mercedes-Benz AMG GLB35 | $1,730 | $134 |
| 18 | Lexus GX 460 | $1,754 | $158 |
| 19 | Infiniti QX60 | $1,762 | $166 |
| 20 | Mercedes-Benz GLE350 | $1,772 | $176 |
| 21 | Genesis GV80 | $1,806 | $210 |
| 22 | Mercedes-Benz AMG GLC43 | $1,834 | $238 |
| 23 | Audi SQ5 | $1,858 | $262 |
| 24 | BMW X5 | $1,922 | $326 |
| 25 | Audi Q8 | $1,950 | $354 |
| 26 | Audi Q7 | $1,982 | $386 |
| 27 | Land Rover Range Rover Sport | $2,004 | $408 |
| 28 | BMW iX | $2,018 | $422 |
| 29 | Tesla Model X | $2,048 | $452 |
| 30 | Audi SQ7 | $2,108 | $512 |
| 31 | Audi e-tron | $2,128 | $532 |
| 32 | Mercedes-Benz AMG GLE53 | $2,136 | $540 |
| 33 | BMW X6 | $2,184 | $588 |
| 34 | Mercedes-Benz AMG GLE63 | $2,278 | $682 |
| 35 | Porsche Cayenne | $2,298 | $702 |
| 36 | Audi RS 6 | $2,374 | $778 |
