Lexus GS 450h Insurance Rates

The average insurance rates for a Lexus GS 450h are $1,200 a year with full coverage. Comprehensive costs an estimated $228 each year, collision insurance costs $340, and liability insurance costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,586. 16-year-old drivers cost the most to insure at up to $4,660 a year.

Average premium for full coverage: $1,200

Policy rates broken down by type of insurance:

Price estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and GS 450h models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities. The graphic below illustrates how where you live affects insurance prices.

The examples above demonstrate why all drivers should compare rates for a targeted area, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below details average Lexus GS 450h insurance rates for other coverage scenarios.

• The best full coverage rate is $711
• Drivers who choose higher $1,000 deductibles will pay approximately $130 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,200
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,448
• High risk drivers with multiple tickets or accidents could pay up to $2,586
• Policy cost that insures a teen driver can cost as much as $4,660 a year

Insurance rates for a Lexus GS 450h also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

Your home state makes a big difference in Lexus GS 450h insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or at least $1,620 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could save up to $380 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

How to Find Cheaper Lexus GS 450h Insurance

Finding cheaper rates on Lexus GS 450h insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Comparison shop at least every other year by requesting rates from direct companies, and also from insurance agencies where you live.

The following is a condensed summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,390 more annually for GS 450h insurance
• You may be able to save approximately $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Drivers who want higher liability limits will pay around $520 every year to go from a 30/60 limit to the 250/500 level