2014 Lexus GS 450h Insurance Rates
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UPDATED: Apr 27, 2020
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Average insurance rates for a 2014 Lexus GS 450h are $1,544 a year including full coverage. Comprehensive costs around $320 a year, collision insurance costs $610, and liability insurance costs $456. Buying a liability-only policy costs as little as $508 a year, and high-risk insurance costs around $3,362. Teenage drivers receive the highest rates at up to $5,774 a year.
Annual premium for full coverage: $1,544
Rate estimates for 2014 Lexus GS 450h Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 the average driver, prices range range from as low as $508 for basic liability insurance to a high of $3,362 for a driver that may need high-risk insurance.
These differences highlight why it is important for drivers to compare rates for a specific zip code and risk profile, rather than relying 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 2014 Lexus GS 450h Insurance
Are you confused by the wide range of auto insurance options? Lot’s of other consumers are too. Consumers have so many companies to choose from that it can quickly become a real hassle to find the lowest price.
Consumers need to shop coverage around every six months since rates are rarely the same from one policy term to another. Even if you think you had the lowest rates for GS 450h insurance six months ago there may be better deals available now. Starting right now, ignore everything you know about auto insurance because you’re about to learn the easiest way to reduce your cost while increasing coverage.
Buying car insurance is not that difficult. In a nutshell, everyone who shops for insurance coverage will most likely be able to save money. But consumers need to have an understanding of the way companies price online insurance and apply this information to your search.
Comprehensive Insurance Coverage Comparison Quotes
Performing a rate comparison can be challenging if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can utilize online quoting to get prices fast.
Most of the best insurance companies participate in an industry program that allows shoppers to complete one form, and every company then gives them pricing. This prevents consumers from doing quote requests to each company.
To submit your quote information now, click to open in new window.
The one downside to comparing rates this way is that you can’t choose the insurers to get pricing from. If you wish to select specific providers to compare, we have a page of companies who write insurance coverage in your area. View list of insurance companies.
It’s up to you how you get prices quotes, just be sure to compare exactly the same deductibles and coverage limits with each company. If each company quotes different liability limits it will be impossible to determine which rate is truly the best. Having just a slight variation in coverage limits may cause a big price difference. And when price shopping your coverage, comparing a large number of companies gives you a better chance of getting the best rates.
How much can you save with discounts?
Companies don’t always advertise all available discounts in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving.
- Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
- Memberships – Belonging to certain professional organizations may earn a discount when buying auto insurance for GS 450h insurance.
- Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
- Air Bag Discount – Vehicles equipped with air bags can receive discounts of up to 25% or more.
- Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
- No Accidents – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.
- Auto/Life Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
- Sign Online – A few companies may give you up to $50 for buying your policy digitally online.
- Bundle and Save – When you have multiple policies with one insurance company you may save at least 10% off all policies.
A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
Companies who might offer these discounts include:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
Check with each insurance company how you can save money. Savings may not apply everywhere.
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How much car insurance do I need?
When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.
For instance, these questions can help discover whether or not you might need professional guidance.
- How high should my medical payments coverage be?
- Should I have a commercial auto policy?
- What is the ISO rating for a 2014 Lexus GS 450h?
- What is the rate difference between pleasure use and commuting?
- What companies insure drivers after a DUI or DWI?
- Should I have combined single limit or split liability limits?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.
Coverages available on your policy
Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as falling objects, a tree branch falling on your vehicle, damage from a tornado or hurricane and theft. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for collisions
This pays for damage to your GS 450h from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as hitting a parking meter, scraping a guard rail, sideswiping another vehicle, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.
This coverage will cover damage or injury you incur to people or other 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. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.
Liability insurance covers claims like loss of income, structural damage and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Coverage for medical payments
Med pay and PIP coverage kick in for immediate expenses like rehabilitation expenses, pain medications, hospital visits and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible
Uninsured and underinsured coverage
This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Lexus GS 450h.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Rates by U.S. City
|New York City, NY||$2,442|
|Los Angeles, CA||$2,643|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$116|
|5-yr Claim Free||$101|
|Paid in Full/EFT||$72|
Discounts are estimated and may not be available from every company or in every state.