Cost of Insuring a Lexus RZ 450e in 2025

• Lexus RZ 450e car insurance rates average $2,478 per year (about $207 per month) for full coverage, but can vary significantly based on driver age.
• Ranked 21^st out of 38 vehicles in the small luxury SUV segment, average car insurance rates for the Lexus RZ 450e cost $63 less per year than the segment average.
• The cheapest RZ 450e model to insure is the Premium AWD trim level at an estimated $2,428 per year.
• The RZ 450e Luxury AWD is the most expensive to insure at $2,530 per year.

How much does Lexus RZ 450e insurance cost?

Lexus RZ 450e insurance rates average $2,478 annually for full coverage, or $207 if paid each month. Drivers can expect to pay around $63 less annually for Lexus RZ 450e insurance compared to the average rate for small luxury SUVs.

The rate summary chart below shows how RZ 450e car insurance prices can change depending on the age of the driver and coverage deductibles. The annual policy rates shown vary from the cheapest rate of $1,708 per year for a 60-year-old driver with high policy deductibles to a high of $5,824 each year for a 20-year-old driver with $250 physical damage deductibles.

Besides driver age and policy deductible amount as featured in the chart above, another factor that determines the rate you pay for car insurance is the trim level. More expensive models generally cost more to insure.

The rate table below details the estimated yearly and 6-month policy costs, in addition to a monthly amount for budgeting, for each 2024 Lexus RZ 450e trim level.

Lexus RZ 450e insurance rates compared

When compared side-by-side to other models in the small luxury SUV segment, car insurance rates for a 2024 Lexus RZ 450e cost $34 less per year than the Mercedes-Benz GLC300, $286 less than the BMW X3, and $128 less than the Audi Q5.

The Lexus RZ 450e ranks 21^st out of 38 total vehicles in the small luxury SUV category for insurance affordability. The RZ 450e costs an average of $2,478 per year for full coverage auto insurance, while the category average auto insurance cost is $2,541 annually, a difference of $63 less per year.

The next chart shows how average Lexus RZ 450e car insurance rates compare to the top 10 best-selling small luxury SUVs in the United States like the Volvo XC60, Mercedes-Benz GLB 250, and the Cadillac XT4. A table with more comprehensive data is also included after the chart that ranks typical insurance rates for every vehicle in the 2024 small luxury SUV segment.