Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Lexus RX 450h? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lexus RX 450h car insurance facts

  • Average full coverage auto insurance premium: $173/month

  • Most affordable companies: GEICO ($93/month) & Progressive ($101/month)

  • RX 450h car insurance cost vs. average rates: $44 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus RX 450h by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Lexus RX 450h insurer costs by state:

Risk factors affecting Lexus RX 450h car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Lexus RX 450h car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lexus models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lexus luxury automobile brand

Lexus is a luxury car division of Toyota, a Japanese automobile manufacturer specializing in reliable luxury cars with high-quality comfort and impressive resale values. The target audience of Lexus is the upper-middle-class finance and banking executives that demand upscale interiors, style, and advanced driver technologies. All Lexus automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lexus RX 350, ES 350, and RC 300 are some of their most popular cars.

High Lexus RX 450h repair costs equal high coverage rates

Many consumers are attracted to Lexus’ upscale driving experience, outstanding quality, and driver-assist technologies, like the Lexus Safety System+ with pre-collision and dynamic radar safety features. Automotive parts are common and more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Lexus is higher than average since repair parts are more expensive. For this reason, many Lexus cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lexus RX 450h affecting car insurance policies

Another factor to consider for Lexus is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lexus models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Lexus IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lexus is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lexus’ Safety System+ technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lexus models. The Lexus ES 350, Lexus IS, NX 4, and RX 4 are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks.” The NHTSA consistently gives Lexus automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lexus automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Lexus RX 450h

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$1628
Allstate$1834
Auto-Owners$2035
Cincinnati Insurance$2138
Direct Auto$2068
Erie Insurance$1399
GEICO$1125
Kentucky Farm Bureau$2044
Liberty Mutual$1730
Mercury$1520
MetLife$2290
Nationwide$1294
Plymouth Rock$2105
Progressive$1214
Safe Auto$2418
State Farm$1897
Tennessee Farmers$1239
Texas Farm Bureau$1567
Travelers$1361

Compare all 2021 Lexus RX 450h rates

Average Cost to Insure Per Year

$2067

List Price

$47820

Trims Available

Base - F SPORT - Base Engine: 3.5-liter V-6 and Electric Motor at 308 Horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners

2020 Lexus RX 450h

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$1607
Allstate$1799
Auto-Owners$2016
Erie Insurance$1367
Farmers$2022
GEICO$1069
Liberty Mutual$1691
Mercury$1468
MetLife$2194
Nationwide$1269
Progressive$1128
State Farm$1846
Tennessee Farmers$1167
Texas Farm Bureau$1538
The Hanover$2127
Travelers$1344

Compare all 2020 Lexus RX 450h rates

Average Cost to Insure Per Year

$1938

List Price

$46800

Trims Available

Base - F SPORT - Base Engine: 3.5-liter V-6 and Electric Motor at 308 Horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners

2019 Lexus RX 450h

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$1576
Allstate$1780
Auto-Owners$1961
Erie Insurance$1328
GEICO$1050
Kentucky Farm Bureau$2016
Liberty Mutual$1652
Mercury$1451
MetLife$2130
Nationwide$1240
Progressive$1086
State Farm$1835
Tennessee Farmers$1139
Texas Farm Bureau$1509
The Hanover$2087
Travelers$1298

Compare all 2019 Lexus RX 450h rates

Average Cost to Insure Per Year

$1963

List Price

$46245

Trims Available

Base - F SPORT - Base Engine: 3.5-liter V-6 and Electric Motor at 308 Horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2018 Lexus RX 450h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1465
Acuity$ 1465
Allied$ 1695
Allied$ 1695
Arbella$ 1528
Arbella$ 1528
Country$ 1575
Country$ 1575
Erie$ 1194
Erie$ 1194
Mercury$ 1538
Mercury$ 1538
Plymouth Rock Insurance$ 1458
Plymouth Rock Insurance$ 1458
Progressive$ 1590
Progressive$ 1590
Southern Farm Bureau$ 1712
Southern Farm Bureau$ 1712
Tennessee Farmers$ 1156
Tennessee Farmers$ 1156
USAA$ 1591
USAA$ 1591
Vermont Mutual$ 1426
Vermont Mutual$ 1426

Compare all 2018 Lexus RX 450h rates

Average Cost to Insure Per Year

$ 1895

List Price

$ 45895

Trims Available

Base - F SPORT

2017 Lexus RX 450h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1509
Acuity$ 1509
Allied$ 1723
Allied$ 1723
Arbella$ 1585
Arbella$ 1585
Country$ 1635
Country$ 1635
Erie$ 1160
Erie$ 1160
Mercury$ 1506
Mercury$ 1506
Plymouth Rock Insurance$ 1417
Plymouth Rock Insurance$ 1417
Progressive$ 1560
Progressive$ 1560
Tennessee Farmers$ 1156
Tennessee Farmers$ 1156
Texas Farm Bureau$ 1211
Texas Farm Bureau$ 1211
USAA$ 1584
USAA$ 1584
Vermont Mutual$ 1476
Vermont Mutual$ 1476

Compare all 2017 Lexus RX 450h rates

Average Cost to Insure Per Year

$ 1518

List Price

$ 53035

Trims Available

Base - F SPORT

2016 Lexus RX 450h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1463
Acuity$ 1463
Allied$ 1711
Allied$ 1711
Arbella$ 1489
Arbella$ 1489
Country$ 1570
Country$ 1570
Erie$ 1107
Erie$ 1107
Mercury$ 1484
Mercury$ 1484
Plymouth Rock Insurance$ 1371
Plymouth Rock Insurance$ 1371
Progressive$ 1449
Progressive$ 1449
Tennessee Farmers$ 1129
Tennessee Farmers$ 1129
Texas Farm Bureau$ 1154
Texas Farm Bureau$ 1154
USAA$ 1517
USAA$ 1517
Vermont Mutual$ 1409
Vermont Mutual$ 1409

Compare all 2016 Lexus RX 450h rates

Average Cost to Insure Per Year

$ 1518

List Price

$ 52235

Trims Available

Base - F SPORT

2015 Lexus RX 450h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1366
Acuity$ 1366
Arbella$ 1416
Arbella$ 1416
Country$ 1464
Country$ 1464
Erie$ 1014
Erie$ 1014
GEICO$ 1485
GEICO$ 1485
Mercury$ 1463
Mercury$ 1463
Plymouth Rock Insurance$ 1323
Plymouth Rock Insurance$ 1323
Progressive$ 1304
Progressive$ 1304
Tennessee Farmers$ 1239
Tennessee Farmers$ 1239
Texas Farm Bureau$ 1126
Texas Farm Bureau$ 1126
USAA$ 1259
USAA$ 1259
Vermont Mutual$ 1279
Vermont Mutual$ 1279

Compare all 2015 Lexus RX 450h rates

Average Cost to Insure Per Year

$ 1473

List Price

$ 47620

Trims Available

Base

2014 Lexus RX 450h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1316
Acuity$ 1316
Allied$ 1503
Allied$ 1503
Arbella$ 1395
Arbella$ 1395
Country$ 1451
Country$ 1451
Erie$ 1027
Erie$ 1027
Mercury$ 1448
Mercury$ 1448
Plymouth Rock Insurance$ 1286
Plymouth Rock Insurance$ 1286
Progressive$ 1405
Progressive$ 1405
Tennessee Farmers$ 1227
Tennessee Farmers$ 1227
Texas Farm Bureau$ 1134
Texas Farm Bureau$ 1134
USAA$ 1236
USAA$ 1236
Vermont Mutual$ 1231
Vermont Mutual$ 1231

Compare all 2014 Lexus RX 450h rates

Average Cost to Insure Per Year

$ 1474

List Price

$ 46410

Trims Available

Base

2013 Lexus RX 450h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1287
Acuity$ 1287
Allied$ 1481
Allied$ 1481
Arbella$ 1174
Arbella$ 1174
Country$ 1430
Country$ 1430
Erie$ 1018
Erie$ 1018
Mercury$ 1451
Mercury$ 1451
Plymouth Rock Insurance$ 1246
Plymouth Rock Insurance$ 1246
Progressive$ 1523
Progressive$ 1523
Tennessee Farmers$ 1179
Tennessee Farmers$ 1179
Texas Farm Bureau$ 1129
Texas Farm Bureau$ 1129
USAA$ 1244
USAA$ 1244
Vermont Mutual$ 1157
Vermont Mutual$ 1157

Compare all 2013 Lexus RX 450h rates

Average Cost to Insure Per Year

$ 1351

List Price

$ 46310

Trims Available

Base

2012 Lexus RX 450h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1216
Acuity$ 1216
Allied$ 1334
Allied$ 1334
Arbella$ 1291
Arbella$ 1291
Erie$ 950
Erie$ 950
GEICO$ 1171
GEICO$ 1171
Plymouth Rock Insurance$ 1355
Plymouth Rock Insurance$ 1355
Progressive$ 1183
Progressive$ 1183
State Farm$ 1350
State Farm$ 1350
Tennessee Farmers$ 1145
Tennessee Farmers$ 1145
Texas Farm Bureau$ 1075
Texas Farm Bureau$ 1075
USAA$ 1104
USAA$ 1104
Vermont Mutual$ 1091
Vermont Mutual$ 1091

Compare all 2012 Lexus RX 450h rates

Average Cost to Insure Per Year

$ 1311

List Price

$ 45235

Trims Available

Base

2011 Lexus RX 450h

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1284
Allied$ 1284
American Family$ 1379
American Family$ 1379
Arbella$ 1052
Arbella$ 1052
Country$ 1330
Country$ 1330
Erie$ 889
Erie$ 889
GEICO$ 1338
GEICO$ 1338
Plymouth Rock Insurance$ 1191
Plymouth Rock Insurance$ 1191
Southern Farm Bureau$ 1389
Southern Farm Bureau$ 1389
Tennessee Farmers$ 1131
Tennessee Farmers$ 1131
Texas Farm Bureau$ 1047
Texas Farm Bureau$ 1047
USAA$ 1096
USAA$ 1096
Vermont Mutual$ 1036
Vermont Mutual$ 1036

Compare all 2011 Lexus RX 450h rates

Average Cost to Insure Per Year

$ 1319

List Price

$ 44735

Trims Available

Base