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2011 Lexus GS 450h Insurance Rates

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

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 2011 Lexus GS 450h are $1,372 a year including full coverage. Comprehensive costs around $278 a year, collision costs $472, and liability costs $464. Buying a liability-only policy costs as little as $514 a year, with high-risk insurance costing around $2,972. Teenage drivers receive the highest rates at $5,208 a year or more.

Annual premium for full coverage: $1,372

Rate estimates for 2011 Lexus GS 450h Insurance

Comprehensive $278
Collision $472
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 $514 for just liability coverage to a high of $2,972 for a driver who has had serious violations or accidents.

Liability Only $514
Full Coverage $1,372
High Risk $2,972

View Chart as Image

2011 Lexus GS 450h insurance rates compared
Column chart showing 2011 Lexus GS 450h insurance prices range from $794 to $5,208 for full coverage

These differences highlight why it is important for drivers to compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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 2011 Lexus GS 450h Insurance

Searching Companies

Want cheaper car insurance rates for your Lexus GS 450h? Nobody I know enjoys paying for car insurance, in particular when the cost is too high.

There is such a variety of car insurance companies to choose from, and even though it’s nice to be able to choose, having more car insurance companies makes it harder to find the lowest cost provider.

Pricing affordable coverage is quite easy. Just about anyone who buys insurance will most likely be able to lower their premiums. But consumers should learn how big insurance companies market insurance on the web.

You probably qualify for some discounts

Car insurance is not cheap, but there are discounts available that you may not know about. Some trigger automatically at quote time, but lesser-known reductions have to be asked for prior to getting the savings.

  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Drive Less and Save – Fewer annual miles on your Lexus can qualify you for a substantially lower rate.
  • College Student – Any of your kids living away from home attending college and do not have a car can receive lower rates.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • No Accidents – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.

As a disclaimer on discounts, most credits do not apply the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like you could get a free auto insurance policy, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

For a list of providers who offer auto insurance discounts, follow this link.

Free Quotes for Insurance Coverage

All the larger insurance coverage companies provide coverage price quotes directly from their websites. Obtaining pricing is pretty painless as you just enter your personal and coverage information into a form. After you complete the form, their rating system sends out for your credit score and driving record and returns a price quote based on many factors. This simplifies rate comparisons, but having to visit a lot of sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you are searching for better insurance coverage pricing.

Isn’t there an easier way to compare rates?

A more efficient way to compare insurance coverage pricing requires only one form to get prices from more than one company. This type of form saves time, eliminates form submissions, and makes price shopping online a lot less work. As soon as you send your information, it is quoted with multiple companies and you can pick any one of the pricing results.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The whole process just takes a couple of minutes and you’ll know if lower rates are available.

In order to find out what other companies charge, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you copy the insurance coverages exactly as they are listed on your policy. This helps ensure you will get a price comparison based on identical coverages.

There’s no such thing as the perfect policy

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help highlight whether or not you may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • When should my teen driver be added to my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Where can I find DUI or SR-22 insurance?
  • Should I put collision coverage on all my vehicles?
  • Is my babysitter covered when using my vehicle?
  • What discounts do I qualify for?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Free Auto Insurance Comparison

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

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Auto insurance coverages

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

Collision coverage

Collision insurance pays for damage to your GS 450h resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, hitting a parking meter, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive auto insurance

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, a broken windshield, fire damage and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair costs for stationary objects, loss of income and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like prosthetic devices, pain medications, funeral costs and surgery. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Shop Smart and Save

We just showed you many ideas to lower your 2011 Lexus GS 450h insurance rates. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with an unexpected company. They may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

Affordable insurance can be sourced on the web and with local insurance agents, and you need to comparison shop both to have the best selection. Some companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Much more information about insurance coverage is located below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2011 Lexus GS 450h Insurance Rates by City
City Premium
New York City, NY $2,169
Los Angeles, CA $2,346
Philadelphia, PA $1,831
Jacksonville, FL $1,991
Phoenix, AZ $1,596
Chicago, IL $1,840
Houston, TX $2,150
Seattle, WA $1,336
Columbus, OH $1,147
Indianapolis, IN $1,168

Rates by Driver Age

2011 Lexus GS 450h Insurance Rates by Driver Age
Driver Age Premium
16 $5,208
20 $3,158
30 $1,422
40 $1,372
50 $1,254
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

2011 Lexus GS 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,700
$250 $1,550
$500 $1,372
$1,000 $1,200

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 450h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,372
50/100 $1,465
100/300 $1,581
250/500 $1,882
100 CSL $1,511
300 CSL $1,766
500 CSL $1,952

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Lexus GS 450h Insurance Rates for High Risk Drivers
Age Premium
16 $7,418
20 $5,034
30 $3,028
40 $2,972
50 $2,838
60 $2,812

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 $191

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $73
Homeowner $21
5-yr Accident Free $98
5-yr Claim Free $89
Paid in Full/EFT $60
Advance Quote $67
Online Quote $97
Total Discounts $578
Rate after discounts $794

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

Find companies with the cheapest rates in your area

2011 Lexus GS 450h Insurance Rates by State
State Premium
Alabama $1,240
Alaska $1,052
Arizona $1,140
Arkansas $1,372
California $1,564
Colorado $1,310
Connecticut $1,414
Delaware $1,554
Florida $1,716
Georgia $1,266
Hawaii $988
Idaho $928
Illinois $1,022
Indiana $1,034
Iowa $926
Kansas $1,304
Kentucky $1,872
Louisiana $2,032
Maine $848
Maryland $1,132
Massachusetts $1,100
Michigan $2,384
Minnesota $1,148
Mississippi $1,644
Missouri $1,218
Montana $1,474
Nebraska $1,082
Nevada $1,644
New Hampshire $988
New Jersey $1,534
New Mexico $1,216
New York $1,446
North Carolina $792
North Dakota $1,124
Ohio $948
Oklahoma $1,408
Oregon $1,256
Pennsylvania $1,308
Rhode Island $1,832
South Carolina $1,244
South Dakota $1,158
Tennessee $1,202
Texas $1,654
Utah $1,018
Vermont $940
Virginia $822
Washington $1,060
West Virginia $1,256
Wisconsin $950
Wyoming $1,222

Free Auto Insurance Comparison

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