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2007 Lexus GS 450h Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 27, 2020

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Average insurance rates for a 2007 Lexus GS 450h are $1,200 a year for full coverage insurance. Comprehensive insurance costs an estimated $228 a year, collision costs $340, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,586 or more. Teen drivers receive the highest rates at $4,660 a year or more.

Annual premium for full coverage: $1,200

Rate estimates for 2007 Lexus GS 450h Insurance

Comprehensive $228
Collision $340
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2007 Lexus GS 450h models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $522 for a discount liability-only rate to a high of $2,586 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,200
High Risk $2,586

View Chart as Image

2007 Lexus GS 450h insurance rates compared
Column chart showing 2007 Lexus GS 450h insurance prices range from $711 to $4,660 for full coverage

These differences illustrate why it is important for drivers to compare rates for a targeted area and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2007 Lexus GS 450h Insurance

Searching Companies

Looking for lower auto insurance rates for your Lexus GS 450h? Finding low-cost insurance for a Lexus GS 450h can normally be difficult, but you can learn the following methods to save time. There are both good and bad ways to find auto insurance online and we’ll show you the proper way to compare rates on a Lexus and obtain the lowest possible price either online or from local insurance agents.

Insurance Coverage Comparisons

Getting a lower price on 2007 Lexus GS 450h insurance is actually quite simple. All you need to do is spend a little time comparing rates provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The most efficient way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for a different quote for each company you want a rate for. Taking the time to complete one form gets you coverage quotes from all major companies. It’s definitely the quickest method.
  2. A harder way to find lower rates consists of visiting each company’s website and fill out their own quote form. For example, we’ll pretend you want rates from USAA, Liberty Mutual and GEICO. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The least recommended way of getting rate comparisons is to waste gas driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you require the professional advice that only a license agent can provide. It is possible to find lower rates online but still have the advice of a local agent and we’ll touch on that later.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverage limits and deductibles for each price quote. If your comparisons have different liability limits it will be next to impossible to make a fair comparison for your Lexus GS 450h.

Get lower rates on Lexus GS 450h insurance

Car insurance companies don’t always advertise all available discounts in a way that’s easy to find, so here is a list both the well known and the harder-to-find ways to save on auto insurance. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings when shopping for auto insurance for GS 450h insurance.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% for GS 450h insurance with certain companies.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • No Accidents – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance from them.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of companies who offer auto insurance discounts, click this link.

Free Auto Insurance Comparison

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Tailor your coverage to you

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Where can I find DUI or SR-22 insurance?
  • What are the financial responsibility laws in my state?
  • What can I do if my company denied a claim?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Insurance coverage considerations

Learning about specific coverages of insurance helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability auto insurance

Liability insurance provides protection from damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things like legal defense fees, pain and suffering, emergency aid, repair costs for stationary objects and medical services. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Collision coverage

Collision insurance pays for damage to your GS 450h caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, scraping a guard rail, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for pain medications, prosthetic devices, doctor visits and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Get your money’s worth

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced collision coverage only to regret at claim time that it was a big mistake. Your strategy should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

You just read a lot of information how to shop for 2007 Lexus GS 450h insurance online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the most savings is with some of the smallest insurance companies.

People who switch companies do it for a number of reasons such as policy non-renewal, delays in responding to claim requests, high prices and even not issuing a premium refund. Whatever your reason, finding a new insurance company is easier than you think.

To learn more, feel free to visit these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2007 Lexus GS 450h Insurance Rates by City
City Premium
New York City, NY $1,896
Los Angeles, CA $2,052
Philadelphia, PA $1,602
Jacksonville, FL $1,740
Phoenix, AZ $1,392
Chicago, IL $1,609
Houston, TX $1,880
Seattle, WA $1,169
Columbus, OH $999
Indianapolis, IN $1,019

Rates by Driver Age

2007 Lexus GS 450h Insurance Rates by Driver Age
Driver Age Premium
16 $4,660
20 $2,742
30 $1,234
40 $1,200
50 $1,096
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

2007 Lexus GS 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,448
$250 $1,334
$500 $1,200
$1,000 $1,070

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 450h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,295
100/300 $1,413
250/500 $1,721
100 CSL $1,342
300 CSL $1,603
500 CSL $1,793

Full coverage, driver age 40

Rates for High Risk Drivers

2007 Lexus GS 450h Insurance Rates for High Risk Drivers
Age Premium
16 $6,602
20 $4,376
30 $2,622
40 $2,586
50 $2,470
60 $2,444

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.

SR-22 Surcharge $164

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $79
5-yr Claim Free $77
Paid in Full/EFT $48
Advance Quote $55
Online Quote $83
Total Discounts $489
Rate after discounts $711

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2007 Lexus GS 450h Insurance Rates by State
State Premium
Alabama $1,086
Alaska $918
Arizona $994
Arkansas $1,200
California $1,368
Colorado $1,146
Connecticut $1,234
Delaware $1,358
Florida $1,500
Georgia $1,106
Hawaii $862
Idaho $810
Illinois $894
Indiana $902
Iowa $810
Kansas $1,140
Kentucky $1,636
Louisiana $1,774
Maine $740
Maryland $988
Massachusetts $960
Michigan $2,082
Minnesota $1,002
Mississippi $1,436
Missouri $1,064
Montana $1,288
Nebraska $946
Nevada $1,438
New Hampshire $862
New Jersey $1,340
New Mexico $1,064
New York $1,264
North Carolina $690
North Dakota $982
Ohio $826
Oklahoma $1,232
Oregon $1,098
Pennsylvania $1,144
Rhode Island $1,600
South Carolina $1,086
South Dakota $1,012
Tennessee $1,050
Texas $1,446
Utah $888
Vermont $822
Virginia $718
Washington $928
West Virginia $1,098
Wisconsin $832
Wyoming $1,068

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