Lexus GS 450h Insurance Rates

U.S. average insurance prices for a Lexus GS 450h are $1,252 every 12 months including full coverage. Comprehensive costs on average $244, collision insurance costs $372, and liability insurance costs around $478. Buying just liability costs as low as $526 a year, and insurance for high-risk drivers costs around $2,700. Teen drivers pay the highest rates at up to $4,828 a year.

Average premium for full coverage: $1,252

Price estimates by individual coverage:

Prices include $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all GS 450h models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts car insurance rates.

The ranges above highlight why everyone should compare prices based on a specific location and their own driving history, rather than relying on price averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down average Lexus GS 450h insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $736
• Using higher $1,000 deductibles will save around $140 every year
• The average price for the average middle-age driver with $500 deductibles is $1,252
• Choosing pricier low deductibles for physical damage coverage increases the price to $1,520
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,700
• The price to insure a teen driver for full coverage may cost $4,828 or more

Insurance prices for a Lexus GS 450h are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your GS 450h.

Choosing high deductibles could cut prices by as much as $410 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Lexus GS 450h insurance for high-risk drivers can be anywhere from 43% to 134% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Lexus GS 450h insurance rates. A driver around age 40 might see prices as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,790 on average in Michigan, New York, and Louisiana.

How to Shop for the Right Lexus GS 450h Insurance

Getting lower rates on Lexus GS 450h insurance requires having a good driving record, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a quick rundown of the coverage data touched on above.

• You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $400 each year
• Drivers age 20 and younger pay higher prices, possibly costing $402 a month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,450 more each year to buy Lexus GS 450h insurance