Lexus GS 450h Insurance Rates
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UPDATED: Apr 16, 2024
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U.S. average auto insurance rates for a Lexus GS 450h are $1,200 annually with full coverage. Comprehensive costs approximately $228 each year, collision costs $340, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,586. Teens pay the highest rates at $4,660 a year or more.
Average premium for full coverage: $1,200
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and GS 450h models.
Price Range from Low to High
For the average driver, Lexus GS 450h insurance prices go from as cheap as $522 for basic liability insurance to a high rate of $2,586 for a policy for a high-risk driver.
Geographic Price Range
Your location has a significant impact on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion.
The graphic below illustrates how location impacts auto insurance prices.
The ranges above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on averaged prices.
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.
Rate Comparisons
The chart below details estimated Lexus GS 450h insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $711
- Drivers who choose higher $1,000 deductibles will pay $130 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,200
- Selecting low deductibles for comprehensive and collision insurance will cost $1,448
- High risk drivers with serious driving violations could pay around $2,586 or more
- The price with full coverage for a teen driver can cost $4,660 a year
Auto insurance prices for a Lexus GS 450h are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $380 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Lexus GS 450h insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,620 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$114 | -9.5% |
| Alaska | $918 | -$282 | -23.5% |
| Arizona | $994 | -$206 | -17.2% |
| Arkansas | $1,200 | -$0 | 0.0% |
| California | $1,368 | $168 | 14.0% |
| Colorado | $1,146 | -$54 | -4.5% |
| Connecticut | $1,234 | $34 | 2.8% |
| Delaware | $1,358 | $158 | 13.2% |
| Florida | $1,500 | $300 | 25.0% |
| Georgia | $1,106 | -$94 | -7.8% |
| Hawaii | $862 | -$338 | -28.2% |
| Idaho | $810 | -$390 | -32.5% |
| Illinois | $894 | -$306 | -25.5% |
| Indiana | $902 | -$298 | -24.8% |
| Iowa | $810 | -$390 | -32.5% |
| Kansas | $1,140 | -$60 | -5.0% |
| Kentucky | $1,636 | $436 | 36.3% |
| Louisiana | $1,774 | $574 | 47.8% |
| Maine | $740 | -$460 | -38.3% |
| Maryland | $988 | -$212 | -17.7% |
| Massachusetts | $960 | -$240 | -20.0% |
| Michigan | $2,082 | $882 | 73.5% |
| Minnesota | $1,002 | -$198 | -16.5% |
| Mississippi | $1,436 | $236 | 19.7% |
| Missouri | $1,064 | -$136 | -11.3% |
| Montana | $1,288 | $88 | 7.3% |
| Nebraska | $946 | -$254 | -21.2% |
| Nevada | $1,438 | $238 | 19.8% |
| New Hampshire | $862 | -$338 | -28.2% |
| New Jersey | $1,340 | $140 | 11.7% |
| New Mexico | $1,064 | -$136 | -11.3% |
| New York | $1,264 | $64 | 5.3% |
| North Carolina | $690 | -$510 | -42.5% |
| North Dakota | $982 | -$218 | -18.2% |
| Ohio | $826 | -$374 | -31.2% |
| Oklahoma | $1,232 | $32 | 2.7% |
| Oregon | $1,098 | -$102 | -8.5% |
| Pennsylvania | $1,144 | -$56 | -4.7% |
| Rhode Island | $1,600 | $400 | 33.3% |
| South Carolina | $1,086 | -$114 | -9.5% |
| South Dakota | $1,012 | -$188 | -15.7% |
| Tennessee | $1,050 | -$150 | -12.5% |
| Texas | $1,446 | $246 | 20.5% |
| Utah | $888 | -$312 | -26.0% |
| Vermont | $822 | -$378 | -31.5% |
| Virginia | $718 | -$482 | -40.2% |
| Washington | $928 | -$272 | -22.7% |
| West Virginia | $1,098 | -$102 | -8.5% |
| Wisconsin | $832 | -$368 | -30.7% |
| Wyoming | $1,068 | -$132 | -11.0% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Every company calculates prices differently, and quoted prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus GS 450h | $320 | $610 | $456 | $1,544 |
| 2017 Lexus GS 450h | $308 | $548 | $460 | $1,474 |
| 2016 Lexus GS 450h | $288 | $504 | $460 | $1,410 |
| 2015 Lexus GS 450h | $278 | $472 | $464 | $1,372 |
| 2014 Lexus GS 450h | $270 | $440 | $474 | $1,342 |
| 2013 Lexus GS 450h | $250 | $410 | $474 | $1,292 |
| 2011 Lexus GS 450h | $228 | $340 | $474 | $1,200 |
| 2010 Lexus GS 450h | $214 | $308 | $474 | $1,154 |
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
Getting lower rates on Lexus GS 450h insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around every year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief recap of the coverage data touched on above.
- You may be able to save around $140 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $375 each year
- Drivers under the age of 20 have the highest car insurance prices, costing up to $388 a month if full coverage is included
- High-risk drivers who tend to receive serious violations may pay on average $1,390 more per year to insure a Lexus GS 450h
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,448 |
| $250 | $1,334 |
| $500 | $1,200 |
| $1,000 | $1,070 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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