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2013 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 2013 Lexus GS 450h are $1,474 a year for full coverage. Comprehensive costs on average $308, collision insurance costs $548, and liability coverage costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs around $3,194. Teenage drivers receive the highest rates at up to $5,528 a year.

Annual premium for full coverage: $1,474

Rate estimates for 2013 Lexus GS 450h Insurance

Comprehensive $308
Collision $548
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 middle-aged driver, prices range range from as low as $510 for just liability coverage to the much higher price of $3,194 for a high risk driver.

Liability Only $510
Full Coverage $1,474
High Risk $3,194

View Chart as Image

2013 Lexus GS 450h insurance rates compared
Column chart showing 2013 Lexus GS 450h insurance prices range from $846 to $5,528 for full coverage

These differences show why everyone should compare prices based on a specific location and risk profile, rather than using 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 2013 Lexus GS 450h Insurance

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Want better car insurance rates for your Lexus GS 450h? Scraping up a payment for overpriced Lexus GS 450h insurance can empty your checking account and make it hard to pay other bills. Comparison shopping is a smart way to cut your insurance bill. Many insurers compete for your hard-earned dollar, so it can be very hard to choose a insurance company to get the best price available.

Consumers should take time to take a look at other company’s rates before your policy renews since insurance rates change quite often. Even if you got the best deal for GS 450h coverage on your last policy you may be paying too much now. Starting now, forget anything you know (or think you know) about car insurance because it’s time to teach you the best methods to save money, get proper coverage and the best rates.

If you have a current auto insurance policy or need new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. Finding the best rates is quite easy. Consumers only need an understanding of how to compare company rates online.

How to Get Cheap Insurance Coverage

Performing a rate comparison can be challenging if you don’t understand the easiest way. You could spend your day driving to insurance companies in your area, or you can stay home and use the internet to get pricing more quickly.

The majority of car insurance companies enroll in a system that enables customers to send in one quote, and at least one company provides a quote based on the submitted data. This system prevents you from having to do form submissions for each company you want a rate for.

To find out how much you’re overpaying now click here to open in new window.

The one downside to comparing rates this way is you don’t know exactly the providers you want pricing from. If you would rather choose specific providers to compare prices, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you which method you use, but make darn sure you compare exactly the same coverage information with every price quote. If you are comparing different liability limits you can’t possibly determine the best price for your Lexus GS 450h.

Car insurance is unique, just like you

When choosing coverage, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

  • How do I file an SR-22 for a DUI in my state?
  • How high should deductibles be on a 2013 Lexus GS 450h?
  • Do I need motorclub coverage?
  • Can I rent a car in Mexico?
  • Where can I find high-risk insurance?
  • What discounts do I qualify for?
  • Is pleasure use cheaper than using my 2013 Lexus GS 450h to commute?
  • Does my car insurance cover rental cars?
  • Should I rate my 2013 Lexus GS 450h as pleasure use or commute?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Free Auto Insurance Comparison

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

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Specific coverages for a 2013 Lexus GS 450h

Having a good grasp of insurance aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like doctor visits, funeral costs and chiropractic care. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Liability insurance

This coverage protects you from injuries or damage you cause to other people or property. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as emergency aid, medical services and pain and suffering. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2013 Lexus GS 450h.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, a tree branch falling on your vehicle, vandalism, rock chips in glass and hitting a bird. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

Collision coverage covers damage to your GS 450h resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, hitting a parking meter, colliding with a tree, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2013 Lexus GS 450h Insurance Rates by City
City Premium
New York City, NY $2,328
Los Angeles, CA $2,517
Philadelphia, PA $1,968
Jacksonville, FL $2,137
Phoenix, AZ $1,714
Chicago, IL $1,976
Houston, TX $2,309
Seattle, WA $1,436
Columbus, OH $1,232
Indianapolis, IN $1,252

Rates by Driver Age

2013 Lexus GS 450h Insurance Rates by Driver Age
Driver Age Premium
16 $5,528
20 $3,400
30 $1,534
40 $1,474
50 $1,346
60 $1,320

Full coverage, $500 deductibles

Rates by Deductible

2013 Lexus GS 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,850
$250 $1,676
$500 $1,474
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 450h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,474
50/100 $1,566
100/300 $1,681
250/500 $1,980
100 CSL $1,612
300 CSL $1,865
500 CSL $2,049

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Lexus GS 450h Insurance Rates for High Risk Drivers
Age Premium
16 $7,890
20 $5,418
30 $3,264
40 $3,194
50 $3,050
60 $3,024

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 $207

Potential Rate Discounts

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

Discount Savings
Multi-policy $79
Multi-vehicle $78
Homeowner $22
5-yr Accident Free $108
5-yr Claim Free $96
Paid in Full/EFT $67
Advance Quote $73
Online Quote $105
Total Discounts $628
Rate after discounts $846

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

Find companies with the cheapest rates in your area

2013 Lexus GS 450h Insurance Rates by State
State Premium
Alabama $1,332
Alaska $1,130
Arizona $1,224
Arkansas $1,474
California $1,678
Colorado $1,408
Connecticut $1,514
Delaware $1,668
Florida $1,842
Georgia $1,360
Hawaii $1,058
Idaho $998
Illinois $1,098
Indiana $1,108
Iowa $994
Kansas $1,400
Kentucky $2,012
Louisiana $2,180
Maine $910
Maryland $1,216
Massachusetts $1,180
Michigan $2,560
Minnesota $1,234
Mississippi $1,764
Missouri $1,306
Montana $1,582
Nebraska $1,162
Nevada $1,766
New Hampshire $1,062
New Jersey $1,648
New Mexico $1,306
New York $1,552
North Carolina $848
North Dakota $1,206
Ohio $1,018
Oklahoma $1,514
Oregon $1,350
Pennsylvania $1,406
Rhode Island $1,966
South Carolina $1,334
South Dakota $1,244
Tennessee $1,292
Texas $1,776
Utah $1,092
Vermont $1,008
Virginia $882
Washington $1,140
West Virginia $1,350
Wisconsin $1,020
Wyoming $1,314

Free Auto Insurance Comparison

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