Lexus GS 450h Insurance Rates

Estimated insurance rates for a Lexus GS 450h are $1,200 a year with full coverage. Comprehensive insurance costs around $228, collision insurance costs $340, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,586 or more. Teenage drivers pay the most at up to $4,660 a year.

Average premium for full coverage: $1,200

Premium estimates for type of coverage:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all GS 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities. The example below illustrates how your location can change auto insurance rates.

These rate differences demonstrate why everyone should compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

The chart below details average Lexus GS 450h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $711
• Using higher $1,000 deductibles will save about $130 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,200
• Using pricier low deductibles for physical damage coverage will cost an extra $248 a year
• Drivers who are prone to accidents and violations could pay at least $2,586
• An auto insurance policy for full coverage for a teen driver for full coverage can be $4,660 or more

Auto insurance prices for a Lexus GS 450h also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus GS 450h insurance rates. A driver around age 40 might see prices as low as $860 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,620 on average in Florida, Michigan, and New York.

Using high physical damage deductibles could cut prices by as much as $380 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,400 to $2,000 in extra premium annually, depending on your age. Lexus GS 450h insurance for high-risk drivers can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Lexus GS 450h Insurance

Finding better rates on Lexus GS 450h insurance requires avoiding accidents and claims, having good credit, being claim-free, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a condensed summary of the primary concepts that were illustrated above.

• You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
• High-risk drivers with multiple at-fault accidents pay an average of $1,390 more every year to insure a Lexus GS 450h
• Increasing policy deductibles can save around $375 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $388 per month if they have full coverage