Lexus GS 450h Insurance Rates
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UPDATED: Apr 16, 2024
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Average insurance rates for a Lexus GS 450h are $1,252 a year for full coverage insurance. Comprehensive insurance costs an estimated $244, collision costs $372, and liability insurance is $478. Buying just liability costs around $526 a year, with insurance for high-risk drivers costing $2,700 or more. Teens receive the highest rates at $4,828 a year or more.
Average premium for full coverage: $1,252
Rate estimates broken down by individual coverage type:
These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different GS 450h trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $526 for just liability coverage to a much higher rate of $2,700 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below illustrates estimated Lexus GS 450h insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $736
- Raising to $1,000 deductibles will save approximately $140 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,252
- Selecting more expensive low deductibles will cost an additional $268 a year
- Higher-risk drivers with serious driving violations could pay up to $2,700 or more
- The cost that insures a teen driver with full coverage can cost as much as $4,828
Auto insurance rates for a Lexus GS 450h can also vary considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age
Where you live also has a big influence on Lexus GS 450h insurance rates. A middle-age driver might find rates as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,690 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,132 | -$120 | -9.6% |
| Alaska | $960 | -$292 | -23.3% |
| Arizona | $1,038 | -$214 | -17.1% |
| Arkansas | $1,252 | -$0 | 0.0% |
| California | $1,426 | $174 | 13.9% |
| Colorado | $1,194 | -$58 | -4.6% |
| Connecticut | $1,286 | $34 | 2.7% |
| Delaware | $1,416 | $164 | 13.1% |
| Florida | $1,564 | $312 | 24.9% |
| Georgia | $1,156 | -$96 | -7.7% |
| Hawaii | $898 | -$354 | -28.3% |
| Idaho | $848 | -$404 | -32.3% |
| Illinois | $932 | -$320 | -25.6% |
| Indiana | $942 | -$310 | -24.8% |
| Iowa | $842 | -$410 | -32.7% |
| Kansas | $1,190 | -$62 | -5.0% |
| Kentucky | $1,706 | $454 | 36.3% |
| Louisiana | $1,852 | $600 | 47.9% |
| Maine | $772 | -$480 | -38.3% |
| Maryland | $1,032 | -$220 | -17.6% |
| Massachusetts | $1,000 | -$252 | -20.1% |
| Michigan | $2,176 | $924 | 73.8% |
| Minnesota | $1,046 | -$206 | -16.5% |
| Mississippi | $1,498 | $246 | 19.6% |
| Missouri | $1,110 | -$142 | -11.3% |
| Montana | $1,346 | $94 | 7.5% |
| Nebraska | $986 | -$266 | -21.2% |
| Nevada | $1,500 | $248 | 19.8% |
| New Hampshire | $902 | -$350 | -28.0% |
| New Jersey | $1,398 | $146 | 11.7% |
| New Mexico | $1,106 | -$146 | -11.7% |
| New York | $1,318 | $66 | 5.3% |
| North Carolina | $720 | -$532 | -42.5% |
| North Dakota | $1,024 | -$228 | -18.2% |
| Ohio | $864 | -$388 | -31.0% |
| Oklahoma | $1,286 | $34 | 2.7% |
| Oregon | $1,146 | -$106 | -8.5% |
| Pennsylvania | $1,194 | -$58 | -4.6% |
| Rhode Island | $1,670 | $418 | 33.4% |
| South Carolina | $1,132 | -$120 | -9.6% |
| South Dakota | $1,056 | -$196 | -15.7% |
| Tennessee | $1,098 | -$154 | -12.3% |
| Texas | $1,510 | $258 | 20.6% |
| Utah | $926 | -$326 | -26.0% |
| Vermont | $856 | -$396 | -31.6% |
| Virginia | $748 | -$504 | -40.3% |
| Washington | $966 | -$286 | -22.8% |
| West Virginia | $1,146 | -$106 | -8.5% |
| Wisconsin | $866 | -$386 | -30.8% |
| Wyoming | $1,116 | -$136 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $410 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and quoted rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus GS 450h | $334 | $648 | $452 | $1,592 |
| 2017 Lexus GS 450h | $320 | $610 | $456 | $1,544 |
| 2016 Lexus GS 450h | $308 | $548 | $460 | $1,474 |
| 2015 Lexus GS 450h | $288 | $504 | $460 | $1,410 |
| 2014 Lexus GS 450h | $278 | $472 | $464 | $1,372 |
| 2013 Lexus GS 450h | $270 | $440 | $474 | $1,342 |
| 2011 Lexus GS 450h | $244 | $372 | $478 | $1,252 |
| 2010 Lexus GS 450h | $228 | $340 | $474 | $1,200 |
Rates are averaged for all Lexus GS 450h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Lexus GS 450h Insurance
Saving money on Lexus GS 450h insurance consists of avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare rates at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The points below are a brief summary of the primary concepts that were touched on in the above illustrations.
- It is possible to save approximately $150 per year simply by shopping early and online
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,450 more annually to insure a Lexus GS 450h
- Increasing deductibles can save approximately $400 each year
- Drivers under the age of 20 are the costliest to insure, costing up to $402 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,828 |
| 20 | $2,864 |
| 30 | $1,290 |
| 40 | $1,252 |
| 50 | $1,148 |
| 60 | $1,122 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,396 |
| $500 | $1,252 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,252 |
| 50/100 | $1,348 |
| 100/300 | $1,467 |
| 250/500 | $1,778 |
| 100 CSL | $1,395 |
| 300 CSL | $1,658 |
| 500 CSL | $1,850 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,850 |
| 20 | $4,566 |
| 30 | $2,742 |
| 40 | $2,700 |
| 50 | $2,578 |
| 60 | $2,552 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $51 |
| Advance Quote | $59 |
| Online Quote | $88 |
| Total Discounts | $516 |
Discounts are estimated and may not be available from every company or in every state.
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