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 $1,676 per year for a full coverage policy, but can vary based on the age of the rated driver.
  • The RX 450hL ranks #13 out of 36 vehicles in the 2022 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 $1,676 a year for full coverage, or around $140 a month. From the perspective of individual coverages, liability/medical is approximately $412 a year, comprehensive will cost approximately $434, and the remaining collision insurance will cost an estimated $830.

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 $1,244 per year for a driver age 60 with a $1,000 policy deductible to the most expensive rate of $3,916 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 2022 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 June 24, 2022
Lexus RX 450hL Car Insurance Rates
Lexus RX 450hL Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,762$230
$500$3,326$277
$250$3,916$326
30$1,000$1,466$122
$500$1,778$148
$250$2,104$175
40$1,000$1,390$116
$500$1,676$140
$250$1,972$164
50$1,000$1,264$105
$500$1,522$127
$250$1,790$149
60$1,000$1,244$104
$500$1,496$125
$250$1,762$147

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 $430 per year. Serious violations such as DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,524 or more.
  • Better credit scores yield better car insurance rates. Having a high credit score of 800+ could save around $263 per year compared to a slightly lower credit rating between 670-739. Conversely, a weaker credit score below 579 could cost around $305 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 $50 and $159 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 $286 per year for a 40-year-old driver and $564 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 $296 per year for a 40-year-old driver and $590 per year for a 20-year-old driver.
  • Young males pay a lot more for insurance. For a 2022 Lexus RX 450hL, a 20-year-old male driver pays an average price of $3,326 per year, while a 20-year-old female driver pays an average of $2,458, a difference of $868 per year. The females get the cheaper rate by far. But by age 50, the cost for a male driver is $1,522 and rates for female drivers are $1,492, a difference of only $30.
  • 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 $282 per year on the cost of insuring a Lexus RX 450hL.

Where does RX 450hL insurance cost rank?

The Lexus RX 450hL ranks #13 out of 36 comparison vehicles in the 2022 midsize luxury SUV category for most affordable car insurance rates. The RX 450hL costs an average of $1,676 per year for full coverage auto insurance and the class median price is $1,843 per year, a difference of $167 per year.

When compared side-by-side to other popular midsize luxury SUVs, auto insurance rates for a Lexus RX 450hL cost $106 more per year than the Lexus RX 350, $262 less than the BMW X5, and $98 more than the Acura MDX.

The next table shows how average car insurance rates for the 2022 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
1Cadillac XT5$1,500-$176
2Jaguar E-Pace$1,564-$112
3Lexus RX 350$1,570-$106
4Acura MDX$1,578-$98
5Lincoln Nautilus$1,594-$82
6Lexus RX 450h$1,608-$68
7Infiniti QX50$1,614-$62
8Lexus RX 350L$1,628-$48
9Cadillac XT6$1,640-$36
10Volvo V60$1,648-$28
11Land Rover Discovery$1,660-$16
12Land Rover Discovery Sport$1,662-$14
13Lexus RX 450hL$1,676--
14Volvo V90$1,688$12
15Lincoln Aviator$1,720$44
16Mercedes-Benz AMG GLB35$1,740$64
17Mercedes-Benz GLE450$1,744$68
18Lexus GX 460$1,766$90
19Infiniti QX60$1,774$98
20Mercedes-Benz GLE350$1,784$108
21Genesis GV80$1,818$142
22Mercedes-Benz AMG GLC43$1,846$170
23Audi SQ5$1,874$198
24BMW X5$1,938$262
25Audi Q8$1,966$290
26Audi Q7$1,998$322
27Land Rover Range Rover Sport$2,020$344
28BMW iX$2,034$358
29Tesla Model X$2,064$388
30Audi SQ7$2,124$448
31Audi e-tron$2,144$468
32Mercedes-Benz AMG GLE53$2,150$474
33BMW X6$2,200$524
34Mercedes-Benz AMG GLE63$2,292$616
35Porsche Cayenne$2,314$638
36Audi RS 6$2,390$714

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 June 24, 2022
Insurance Cost Comparison: Lexus RX 450hL vs Midsize Luxury SUVs