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