Lexus GS 450h Insurance Rates

Average insurance prices for a Lexus GS 450h are $1,154 every 12 months for full coverage. Comprehensive insurance costs on average $214 a year, collision insurance costs $308, and liability insurance costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs $2,486 or more. Teenage drivers receive the highest rates at up to $4,516 a year.

Average premium for full coverage: $1,154

Rate estimates by individual coverage type:

Includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and GS 450h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The diagram below illustrates how your location can change car insurance rates.

These examples show why it is important to compare prices based on a specific location and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows average Lexus GS 450h insurance rates for different risk profiles and scenarios.

• The best discount rate is $687
• Using higher $1,000 deductibles will save around $1,034 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,154
• Using low $100 deductibles for physical damage coverage costs an extra $228 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,486
• The cost to insure a teen driver may cost $4,516 or more

Insurance rates for a Lexus GS 450h can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your GS 450h.

Using high physical damage deductibles could cut rates by as much as $350 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Lexus GS 450h insurance rates. A driver around age 40 might see rates as low as $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,650 on average in Michigan, Louisiana, and New York.

How to Shop for the Cheapest Lexus GS 450h Insurance

Saving money on Lexus GS 450h insurance requires being a good driver, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Invest the time to shop around at least every other year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a recap of the car insurance concepts illustrated above.

• High-risk drivers that have major violations or accidents pay an average of $1,330 more each year than a safer driver
• Drivers can save as much as $130 per year just by quoting early and online
• Increasing deductibles could save as much as $350 each year
• Drivers who require an increased level of liability coverage will pay an extra $520 each year to increase from a minimum limit to a 250/500 level