2023 Lexus RZ 450e Insurance Cost Comparisons

How expensive are insurance rates for a Lexus RZ 450e?

From the base trim level up to the F Sport trim level, we break down insurance cost for a RZ 450e to discover how average insurance rates rank when compared to the entire 2023 small luxury SUV segment.

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  • Lexus RZ 450e car insurance rates average $1,802 per year (about $150 per month) for full coverage, but can vary significantly based on driver age.
  • Ranked 15th out of 37 vehicles in the small luxury SUV segment, average car insurance rates for the Lexus RZ 450e cost $107 less per year than the segment average.
  • The cheapest RZ 450e model to insure is the base trim level at an estimated $1,788 per year.
  • The RZ 450e F Sport is the most expensive to insure at $1,816 per year.

How much does Lexus RZ 450e insurance cost?

Lexus RZ 450e insurance rates average $1,802 annually for full coverage, or $150 if paid each month. Drivers can expect to pay around $107 less annually for Lexus RZ 450e insurance compared to the average rate for small luxury SUVs, and $117 more per year than the $1,685 national average.

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 $1,344 per year for a 60-year-old driver with high policy deductibles to a high of $4,172 each year for a 20-year-old driver with $250 physical damage deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Lexus RZ 450e with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Lexus RZ 450e trim levels.Data last updated on December 30, 2022
Lexus RZ 450e Car Insurance Rates
2023 Lexus RZ 450e Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,980$248
$500$3,560$297
$250$4,172$348
30$1,000$1,582$132
$500$1,908$159
$250$2,248$187
40$1,000$1,502$125
$500$1,802$150
$250$2,114$176
50$1,000$1,370$114
$500$1,638$137
$250$1,920$160
60$1,000$1,344$112
$500$1,608$134
$250$1,884$157

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 2023 Lexus RZ 450e trim level.

2023 Lexus RZ 450e Insurance Cost by Trim Level
Lexus RZ 450e Trim Level Annual Policy Six-Month Policy Per Month
Base$1,788$894$149
F Sport$1,816$908$151

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Lexus RZ 450e, 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. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Lexus RZ 450e Insurance Cost by 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 2023 Lexus RZ 450e cost $4 more per year than the Mercedes-Benz GLC300, $274 less than the BMW X3, and $188 less than the Audi Q5.

The Lexus RZ 450e ranks 15th out of 37 total vehicles in the small luxury SUV category for insurance affordability. The RZ 450e costs an average of $1,802 per year for full coverage auto insurance, while the category average auto insurance cost is $1,909 annually, a difference of $107 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 2023 small luxury SUV segment.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Lexus RZ 450e, 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 Lexus RZ 450e trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 29, 2022
Lexus RZ 450e vs Top 10 Small Luxury SUVs Insurance Rate Comparison
Lexus RZ 450e Insurance Cost Compared to All Small Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Acura RDX$1,472-$330
2Cadillac XT4$1,592-$210
3Volvo XC40$1,622-$180
4Lexus UX 250h$1,650-$152
5Mercedes-Benz GLA250$1,712-$90
6Mercedes-Benz GLB 250$1,718-$84
7Lexus NX 250$1,740-$62
8Lexus NX 350h$1,760-$42
9Lexus NX 350$1,770-$32
10Lincoln Corsair$1,772-$30
11Lexus NX 450h$1,776-$26
12BMW X1$1,788-$14
13Alfa Romeo Tonale$1,790-$12
14Mercedes-Benz GLC300$1,798-$4
15Lexus RZ 450e$1,802--
16Volvo XC60$1,806$4
17Audi Q3$1,820$18
18Land Rover Evoque$1,828$26
19Volvo C40$1,846$44
20Infiniti QX55$1,908$106
21Mercedes-Benz GLA35 AMG$1,914$112
22Genesis GV70$1,944$142
23Mercedes-Benz EQB 300$1,954$152
24Genesis GV60$1,958$156
25Mercedes-Benz GLA45 AMG$1,968$166
26Alfa Romeo Stelvio$1,978$176
27Audi Q5$1,990$188
28Land Rover Range Rover Velar$1,996$194
29Mercedes-Benz EQB 350$2,000$198
30BMW X4$2,038$236
31Land Rover Defender$2,044$242
32Jaguar F-Pace$2,054$252
33Audi Q4$2,066$264
34Porsche Macan$2,070$268
35BMW X3$2,076$274
36Jaguar I-Pace$2,194$392
37Aston Martin DBX$3,424$1,622