Lexus RX 450hL Car Insurance Rates

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 $1,890 per year for a full coverage policy, but can vary based on the age of the rated driver.
  • The RX 450hL ranks 13th 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 $1,890 a year for full coverage, or around $158 a month. From the perspective of individual coverages, liability/medical is approximately $484 a year, comprehensive will cost approximately $482, and the remaining collision insurance will cost an estimated $924.

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 $1,408 per year for a driver age 60 with a $1,000 policy deductible to the most expensive rate of $4,418 annually for a 20-year-old driver with $250 comprehensive and collision deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Lexus RX 450hL with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Lexus RX 450hL trim levels.Data last updated on December 30, 2022
Lexus RX 450hL Car Insurance Rates
2023 Lexus RX 450hL Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,134$261
$500$3,760$313
$250$4,418$368
30$1,000$1,654$138
$500$2,004$167
$250$2,366$197
40$1,000$1,570$131
$500$1,890$158
$250$2,222$185
50$1,000$1,434$120
$500$1,722$144
$250$2,020$168
60$1,000$1,408$117
$500$1,690$141
$250$1,984$165

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

  • A good driving record means cheaper insurance cost. 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 $492 per year. Serious violations such as DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,728 or more.
  • Better credit scores yield better car insurance rates. Having a high credit score of 800+ could save around $297 per year compared to a slightly lower credit rating between 670-739. Conversely, a weaker credit score below 579 could cost around $344 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 $57 and $178 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 $320 per year for a 40-year-old driver and $626 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 $332 per year for a 40-year-old driver and $658 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 $3,760 per year, while a 20-year-old female driver pays an average of $2,776, a difference of $984 per year. The females get the cheaper rate by far. But by age 50, the cost for a male driver is $1,722 and rates for female drivers are $1,686, a difference of only $36.
  • 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 many other discounts which could save the average driver as much as $320 per year on the cost of insuring a Lexus RX 450hL.

Where does RX 450hL insurance cost rank?

The Lexus RX 450hL ranks 13th 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 $1,890 per year for full coverage auto insurance and the class median price is $2,050 per year, a difference of $160 per year.

When compared side-by-side to other popular midsize luxury SUVs, auto insurance rates for a Lexus RX 450hL cost $312 more per year than the Lexus RX 350, $340 less than the BMW X5, and $134 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/Model Insurance Cost Difference
1Lexus RX 350$1,578-$312
2Infiniti QX50$1,632-$258
3Cadillac XT5$1,676-$214
4Cadillac XT6$1,716-$174
5Acura MDX$1,756-$134
6Lincoln Nautilus$1,786-$104
7Lexus RX 350L$1,804-$86
8Land Rover Discovery Sport$1,806-$84
9Jaguar E-Pace$1,808-$82
10Volvo V90$1,838-$52
11Lexus RX 450h$1,858-$32
12Lexus GX 460$1,880-$10
13Lexus RX 450hL$1,890--
14Volvo V60$1,896$6
15Mercedes-Benz AMG GLB35$1,934$44
16Genesis GV80$1,936$46
17Audi SQ5$1,940$50
18Lincoln Aviator$1,958$68
19Infiniti QX60$1,974$84
20Mercedes-Benz GLE450$1,990$100
21Mercedes-Benz GLE350$2,014$124
22Land Rover Discovery$2,022$132
23Mercedes-Benz AMG GLC43$2,056$166
24Audi Q7$2,104$214
25Audi e-tron$2,174$284
26Tesla Model X$2,184$294
27Mercedes-Benz AMG GLE53$2,190$300
28BMW X5$2,230$340
29Audi Q8$2,238$348
30Land Rover Range Rover Sport$2,254$364
31Audi SQ7$2,362$472
32BMW iX$2,396$506
33BMW X6$2,442$552
34Porsche Cayenne$2,462$572
35Mercedes-Benz AMG GLE63$2,582$692
36Audi RS 6$2,624$734
37BMW XM$2,872$982

Get Rates in Your AreaWhy is this important?

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