Lexus GS 450h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 16, 2024
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U.S. average auto insurance rates for a Lexus GS 450h are $1,154 annually with full coverage. Comprehensive costs an estimated $214, collision costs $308, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,486. 16-year-old drivers pay the highest rates at $4,516 a year or more.
Average premium for full coverage: $1,154
Price estimates broken down by individual coverage:
Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different GS 450h trim levels.
Price Range from Low to High
For a 40-year-old driver, Lexus GS 450h insurance prices go from as cheap as $522 for basic liability insurance to a much higher rate of $2,486 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can make a big difference on car insurance rates. More rural locations have fewer collision claims than congested cities.
The price range example below illustrates how your location can change insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.
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 other coverage scenarios.
- The best full coverage rate is $687
- Drivers who choose higher $1,000 deductibles will pay approximately $120 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,154
- Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,382
- Drivers with multiple tickets or accidents could pay up to $2,486 or more
- The price with full coverage for a 16-year-old driver with full coverage can cost as much as $4,516 a year
Insurance prices for a Lexus GS 450h are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,400 to $1,900 additional each year, depending on your age. High-risk driver insurance can cost from 42% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $350 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Lexus GS 450h insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or at least $1,560 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,044 | -$110 | -9.5% |
| Alaska | $884 | -$270 | -23.4% |
| Arizona | $958 | -$196 | -17.0% |
| Arkansas | $1,154 | -$0 | 0.0% |
| California | $1,316 | $162 | 14.0% |
| Colorado | $1,102 | -$52 | -4.5% |
| Connecticut | $1,186 | $32 | 2.8% |
| Delaware | $1,306 | $152 | 13.2% |
| Florida | $1,446 | $292 | 25.3% |
| Georgia | $1,064 | -$90 | -7.8% |
| Hawaii | $830 | -$324 | -28.1% |
| Idaho | $778 | -$376 | -32.6% |
| Illinois | $860 | -$294 | -25.5% |
| Indiana | $868 | -$286 | -24.8% |
| Iowa | $778 | -$376 | -32.6% |
| Kansas | $1,098 | -$56 | -4.9% |
| Kentucky | $1,574 | $420 | 36.4% |
| Louisiana | $1,706 | $552 | 47.8% |
| Maine | $712 | -$442 | -38.3% |
| Maryland | $950 | -$204 | -17.7% |
| Massachusetts | $922 | -$232 | -20.1% |
| Michigan | $2,006 | $852 | 73.8% |
| Minnesota | $966 | -$188 | -16.3% |
| Mississippi | $1,382 | $228 | 19.8% |
| Missouri | $1,024 | -$130 | -11.3% |
| Montana | $1,240 | $86 | 7.5% |
| Nebraska | $910 | -$244 | -21.1% |
| Nevada | $1,384 | $230 | 19.9% |
| New Hampshire | $830 | -$324 | -28.1% |
| New Jersey | $1,288 | $134 | 11.6% |
| New Mexico | $1,024 | -$130 | -11.3% |
| New York | $1,216 | $62 | 5.4% |
| North Carolina | $666 | -$488 | -42.3% |
| North Dakota | $946 | -$208 | -18.0% |
| Ohio | $796 | -$358 | -31.0% |
| Oklahoma | $1,186 | $32 | 2.8% |
| Oregon | $1,056 | -$98 | -8.5% |
| Pennsylvania | $1,102 | -$52 | -4.5% |
| Rhode Island | $1,540 | $386 | 33.4% |
| South Carolina | $1,046 | -$108 | -9.4% |
| South Dakota | $974 | -$180 | -15.6% |
| Tennessee | $1,012 | -$142 | -12.3% |
| Texas | $1,392 | $238 | 20.6% |
| Utah | $854 | -$300 | -26.0% |
| Vermont | $790 | -$364 | -31.5% |
| Virginia | $690 | -$464 | -40.2% |
| Washington | $894 | -$260 | -22.5% |
| West Virginia | $1,056 | -$98 | -8.5% |
| Wisconsin | $800 | -$354 | -30.7% |
| Wyoming | $1,028 | -$126 | -10.9% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from multiple companies. Every company utilizes a different rate formula, and prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus GS 450h | $308 | $548 | $460 | $1,474 |
| 2017 Lexus GS 450h | $288 | $504 | $460 | $1,410 |
| 2016 Lexus GS 450h | $278 | $472 | $464 | $1,372 |
| 2015 Lexus GS 450h | $270 | $440 | $474 | $1,342 |
| 2014 Lexus GS 450h | $250 | $410 | $474 | $1,292 |
| 2013 Lexus GS 450h | $244 | $372 | $478 | $1,252 |
| 2011 Lexus GS 450h | $214 | $308 | $474 | $1,154 |
| 2010 Lexus GS 450h | $208 | $278 | $468 | $1,112 |
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 Affordable Lexus GS 450h Insurance
Getting lower rates on insurance for a Lexus GS 450h not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a brief review of the concepts that were illustrated above.
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,330 more annually for GS 450h insurance
- Teens are expensive to insure, costing up to $376 a month if they have full coverage
- You may be able to save approximately $130 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $350 each year
- You may be able to save approximately $130 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,516 |
| 20 | $2,638 |
| 30 | $1,186 |
| 40 | $1,154 |
| 50 | $1,058 |
| 60 | $1,036 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,278 |
| $500 | $1,154 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,154 |
| 50/100 | $1,249 |
| 100/300 | $1,367 |
| 250/500 | $1,675 |
| 100 CSL | $1,296 |
| 300 CSL | $1,557 |
| 500 CSL | $1,747 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,390 |
| 20 | $4,206 |
| 30 | $2,518 |
| 40 | $2,486 |
| 50 | $2,376 |
| 60 | $2,352 |
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 | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $45 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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