Lexus RX 450h Insurance Quotes in Los Angeles

Insurance rates Lexus RX 450h in Los AngelesI can’t think of a single person who is fond of buying car insurance, especially when their premiums are through the roof.

It’s an obvious conclusion that insurance companies don’t want their policyholders to compare prices. Insureds who compare other rates will presumably buy a new policy because there is a great chance of finding lower prices. A study discovered that consumers who compared prices once a year saved an average of $3,450 over four years as compared to drivers who never compared other company’s rates.

If saving the most money on insurance is why you’re reading this, then having some knowledge of the best way to compare cheaper coverage can make the process more efficient. Big-name insurance companies like GEICO, Farmers Insurance and State Farm all promote huge savings with catchy ads and it can be hard to see through the cute green geckos and mayhem and find the best price available.

Insurance discounts are available to cut your rates

Car insurance companies don’t list all available discounts very well, so the next list breaks down some of the more common in addition to some of the lesser obvious credits available to bring down your rates.Discount insurance

As a footnote on discounts, some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So when it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The illustration below visualizes the comparison of Lexus RX 450h insurance costs with and without discounts applied to the rates. The data is based on a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, safe-driver, marriage, and multi-policy discounts applied.

A few of the larger companies and some of the premium reductions they offer include:

When comparing rates, check with each insurance company how many discounts you can get. Discounts might not be offered on policies everywhere. For a list of companies that have a full spectrum of discounts in California, follow this link.

The majority of larger companies such as Allstate and Progressive allow you to get prices on their websites. Getting online quotes for Lexus RX 450h insurance in Los Angeles is very simple as you just enter the amount of coverage you want as detailed in the form. Once you submit the form, their rating system automatically orders your driving record and credit report and provides a quote. This helps simplify price comparisons, and it’s necessary to do this in order to get a lower rate.

In order to get comparison pricing now, compare quotes from the companies shown below. To compare your current rates, we recommend you copy the coverages identical to your current policy. This guarantees you’re receiving a rate comparison for the exact same coverage.

The companies shown below are ready to provide price comparisons in Los Angeles, CA. If several companies are displayed, we suggest you visit as many as you can to get a more complete price comparison.

Auto insurance statistics for a Lexus RX 450h

The data table below highlights different insurance coverage prices for Lexus RX 450h models. Learning a little about how policy rates are determined is important for you to make smart choices when purchasing an auto insurance policy.


Lexus RX 450h Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 450H Hybrid 2WD 4-Dr $348 $630 $500 $30 $150 $1,658 $138
RX 450H Hybrid 4WD 4-Dr $348 $630 $500 $30 $150 $1,658 $138
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in garaging location in Los Angeles which can revise coverage rates significantly.

Raise deductibles and save

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The following insurance rates help summarize the differences in price when you choose different physical damage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.


Lexus RX 450h insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 450H Hybrid 2WD 4-Dr $430 $780 $500 $30 $150 $1,915 $160
RX 450H Hybrid 4WD 4-Dr $430 $780 $500 $30 $150 $1,915 $160
Get Your Own Customized Quote Go

Lexus RX 450h insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 450H Hybrid 2WD 4-Dr $348 $630 $500 $30 $150 $1,658 $138
RX 450H Hybrid 4WD 4-Dr $348 $630 $500 $30 $150 $1,658 $138
Get Your Own Customized Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific garaging location which can revise premiums greatly.

We can derive from the above data that using a $250 deductible will cost you about $22 more each month or $264 annually across all Lexus RX 450h models than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 11 months between claim filings, you would save more money by going with a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $160
Average monthly premium for $500 deductibles (subtract): – $138
Monthly savings from raising deductible: $22
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

The chart below demonstrates how choosing different deductibles and can change Lexus RX 450h insurance prices for each age group. The data assumes a married female driver, full coverage, and no other discounts are factored in.

Responsible drivers pay cheaper auto insurance rates

The information below highlights how speeding tickets and accidents can increase Lexus RX 450h insurance costs for different insured age categories. The rate quotes are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Your situation helps dictate your coverage

When it comes to choosing the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed.Higher deductibles save money
These are some specific questions may help highlight if your situation could use an agent’s help.

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Are insurance agents obsolete?

Many drivers would prefer to talk to an insurance agent and that is just fine! Professional agents can make sure you are properly covered and give you someone to call. An additional benefit of comparing insurance prices online is that drivers can save money and get cheap insurance rates and also buy local. Putting coverage with local agents is still important in Los Angeles.

Los Angeles insurance agentsAfter completing this quick form, your coverage information gets sent to insurance agents in Los Angeles that provide free Los Angeles car insurance quotes and help you find cheaper coverage. You won’t need to do any legwork since rate quotes are delivered instantly to you. In the event you want to compare prices from a specific insurance provider, you would need to find their quoting web page and fill out the quote form the provide.

What type of Los Angeles car insurance agent is right for you?

If you are wanting to find a reputable insurance agent or broker, you must know there are a couple different types of agents and how they work. Agents in Los Angeles are considered either exclusive or independent. Either one can sell and service insurance coverage, but it’s worth learning the difference between them because it may have an impact on which type of agent you select.

Independent Insurance Agents

Agents that choose to be independent often have many company appointments and that allows them to write policies with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier which requires no work on your part. When comparing rates, you should always include rate quotes from at a minimum one independent agency for the best price selection.

Shown below is a list of independent insurance agents in Los Angeles that can possibly get you free rate quotes.


3349 Cahuenga Blvd W #2Los Angeles, CA 90068(323) 876-1980View Map


11611 San Vicente Blvd #515Los Angeles, CA 90049(310) 820-5200View Map


4221 Wilshire Blvd #222Los Angeles, CA 90010(323) 934-8160View Map

More Los Angeles agents

Exclusive Agencies

Exclusive agencies are contracted to one company such as State Farm or Allstate. They are unable to provide other company’s prices so keep that in mind. Exclusive insurance agents are well schooled on their company’s products which helps offset the inability to provide other markets.

Listed below is a list of exclusive insurance agents in Los Angeles that are able to give price quotes.


340 E Azusa St, Ste BLos Angeles, CA 90012(213) 253-1210View Map


4448 Eagle Rock Blvd eLos Angeles, CA 90041(323) 254-5800View Map


3130 S Sepulveda Blvd fLos Angeles, CA 90034(310) 479-0080View Map

More Los Angeles agents

Finding the right insurance agency requires more thought than just a cheap quote. The answers to these questions are important, too.

Cheap car insurance rates are out there

As you shop your coverage around, you should never skimp on coverage in order to save money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that it was a big mistake. Your goal is to purchase a proper amount of coverage at a price you can afford.

Budget-conscious Lexus RX 450h insurance is definitely available online as well as from independent agents in Los Angeles, so you need to quote Los Angeles car insurance with both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and most of the time these regional carriers only sell coverage through independent agents.

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