Lexus GS 450h Insurance Rates
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UPDATED: Apr 16, 2024
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Estimated auto insurance rates for a Lexus GS 450h are $1,252 annually for full coverage insurance. Comprehensive insurance costs an estimated $244 each year, collision costs $372, and liability coverage is estimated at $478. Liability-only coverage costs approximately $526 a year, with high-risk coverage costing $2,700 or more. Teenage drivers pay the most at $4,828 a year or more.
Average premium for full coverage: $1,252
Premium estimates broken down by type of coverage:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and GS 450h models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Lexus GS 450h go from as cheap as $526 for just liability insurance to a high rate of $2,700 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities.
The graphic below illustrates the effect of geographic area on insurance prices.
These rate differences illustrate why all drivers should get quotes for a targeted area and their own personal driving habits, rather than using average rates.
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.
More Rate Details
The chart below illustrates estimated Lexus GS 450h insurance rates for other coverage scenarios.
- The best discount rate is $736
- Choosing higher $1,000 deductibles can save approximately $140 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,252
- Using low deductibles for comp and collision coverage costs an additional $268 each year
- Drivers who are prone to accidents and violations could pay up to $2,700 or more
- An auto insurance policy with full coverage for a teenage driver can cost as much as $4,828 each year
Insurance prices for a Lexus GS 450h also have a wide range based on the model of your GS 450h, your risk profile, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $410 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Lexus GS 450h insurance rates. A good driver about age 40 could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $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% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different between companies.
| 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 Buy the Best Lexus GS 450h Insurance
Finding better rates on auto insurance takes being a good driver, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates every other policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The following list is a brief recap of the ideas that were covered in the above illustrations.
- Drivers age 16 to 20 are charged the highest prices, with premiums being up to $402 per month including comprehensive and collision insurance
- Drivers who tend to receive serious violations may pay on average $1,450 more annually than a safer driver
- Increasing policy deductibles could save up to $400 each year
- It is possible to save approximately $150 per year simply by quoting online in advance
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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