Lexus RX 450hL Insurance Costs: Rates and Rankings for 2025

How much does Lexus RX 450hL car insurance cost? We compared average rates to see how prices ranked against the rest of the luxury SUV competition.

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  • Lexus RX 450hL insurance costs an average of $2,454 per year for a full coverage policy but can vary based on the age of the rated driver.
  • The RX 450hL ranks 14th out of 37 vehicles in the 2023 midsize luxury SUV class for car insurance affordability.

How much does Lexus RX 450hL insurance cost?

Lexus RX 450hL car insurance costs an average of $2,454 a year for full coverage, or around $205 a month. From the perspective of individual coverages, liability/medical is approximately $616 a year, comprehensive will cost approximately $624, and the remaining collision insurance will cost an estimated $1,214.

The cost summary chart below illustrates how Lexus RX 450hL car insurance rates adjust based on a variety of driver ages and the choice of policy deductible. Average insurance cost ranges from a low of $1,692 per year for a driver age 60 with a $1,000 policy deductible to the most expensive rate of $5,810 annually for a 20-year-old driver with $250 comprehensive and collision deductibles.

Average 2023 Lexus RX 450hL car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2023 Lexus RX 450hL car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2023 model year Lexus RX 450hL. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2023 Lexus RX 450hL Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,122$344
$500$4,942$412
$250$5,810$484
30-Year-Old$1,000$2,172$181
$500$2,624$219
$250$3,096$258
40-Year-Old$1,000$2,038$170
$500$2,454$205
$250$2,890$241
50-Year-Old$1,000$1,806$151
$500$2,166$181
$250$2,540$212
60-Year-Old$1,000$1,692$141
$500$2,030$169
$250$2,382$199

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2023 Lexus RX 450hL. Updated June 27, 2025

Some additional data insights relative to Lexus RX 450hL insurance cost include:

  • A good driving record means cheaper insurance costs. To pay the cheapest RX 450hL insurance rates, it pays to avoid traffic citations. In fact, just one or two minor driving infractions have the ramification of spiking policy cost as much as $648 per year. Serious violations such as DUI/DWI and leaving the scene of an accident could raise rates by an additional $2,270 or more.
  • Better credit scores yield better car insurance rates. Having a high credit score of 800+ could save around $385 per year compared to a slightly lower credit rating between 670-739. Conversely, a weaker credit score below 579 could cost around $447 more per year.
  • Your choice of occupation could lower your rates. The vast majority of auto insurance companies offer discounts for working in professions like architects, emergency medical technicians, lawyers, nurses, scientists, and others. Earning this discount could potentially save between $74 and $233 on your RX 450hL insurance cost, depending on the level of coverage purchased.
  • The higher the deductibles, the lower the cost. Raising your policy deductibles from $500 to $1,000 could save around $416 per year for a 40-year-old driver and $820 per year for a 20-year-old driver.
  • The lower deductible you choose, the higher the policy cost. Decreasing deductibles from $500 to $250 could cost an additional $436 per year for a 40-year-old driver and $868 per year for a 20-year-old driver.
  • Young males pay a lot more for insurance. For a 2023 Lexus RX 450hL, a 20-year-old male driver pays an average price of $4,942 per year, while a 20-year-old female driver pays an average of $3,534, a difference of $1,408 per year. The females get the cheaper rate by far. But by age 50, the cost for a male driver is $2,166 and rates for female drivers are $2,116, a difference of only $50.
  • Research discounts to save money. Discounts may be available if the policyholders are military or federal employees, are claim-free, work in certain occupations, are good students, or other discounts which could save the average driver as much as $414 per year on the cost of insuring a Lexus RX 450hL.

Where does RX 450hL insurance cost rank?

The Lexus RX 450hL ranks 14th out of 37 comparison vehicles in the 2023 midsize luxury SUV category for most affordable car insurance rates. The RX 450hL costs an average of $2,454 per year for full coverage auto insurance and the class median price is $2,652 per year, a difference of $198 per year.

When compared side-by-side to other popular midsize luxury SUVs, auto insurance rates for a Lexus RX 450hL cost $410 more per year than the Lexus RX 350, $432 less than the BMW X5, and $182 more than the Acura MDX.

The next table shows how average car insurance rates for the 2023 Lexus RX 450hL compare to the other midsize luxury SUVs like the Cadillac XT5, Lexus GX 460, and the Infiniti QX60.

Insurance Cost Comparison: Lexus RX 450hL vs Midsize Luxury SUVs
Rank Make and Model Annual Premium Difference
1Lexus RX 350$2,044-$410
2Infiniti QX50$2,112-$342
3Cadillac XT5$2,166-$288
4Cadillac XT6$2,206-$248
5Acura MDX$2,272-$182
6Lincoln Nautilus$2,306-$148
7Lexus RX 350L$2,332-$122
8Land Rover Discovery Sport$2,334-$120
9Jaguar E-Pace$2,356-$98
10Volvo V90$2,376-$78
11Lexus RX 450h$2,404-$50
12Lexus GX 460$2,430-$24
13Volvo V60$2,446-$8
14Lexus RX 450hL$2,454--
15Mercedes-Benz AMG GLB35$2,500$46
16Genesis GV80$2,504$50
17Audi SQ5$2,512$58
18Lincoln Aviator$2,532$78
19Infiniti QX60$2,548$94
20Mercedes-Benz GLE450$2,570$116
21Mercedes-Benz GLE350$2,604$150
22Land Rover Discovery$2,616$162
23Mercedes-Benz AMG GLC43$2,654$200
24Audi Q7$2,720$266
25Audi e-tron$2,814$360
26Tesla Model X$2,826$372
27Mercedes-Benz AMG GLE53$2,830$376
28BMW X5$2,886$432
29Audi Q8$2,894$440
30Land Rover Range Rover Sport$2,918$464
31Audi SQ7$3,056$602
32BMW iX$3,102$648
33BMW X6$3,160$706
34Porsche Cayenne$3,186$732
35Mercedes-Benz AMG GLE63$3,340$886
36Audi RS 6$3,394$940
37BMW XM$3,722$1,268

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 2023 model year. Updated June 27, 2025

At $2,454 per year, insurance cost for a 2023 Lexus RX 450hL ranks 14th out of 37 models in the midsize luxury SUV segment
At $2,454 per year, insurance cost for a 2023 Lexus RX 450hL ranks 14th out of 37 models in the midsize luxury SUV segment