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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Estimated insurance prices for a Lexus GS 450h are $1,154 every 12 months for full coverage. Comprehensive costs around $214, collision costs $308, and liability insurance costs around $474. A policy with only liability insurance costs as low as $522 a year, with a high-risk policy costing around $2,486. Teen drivers pay the most at $4,516 a year or more.
Average premium for full coverage: $1,154
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all GS 450h models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Lexus GS 450h go from the cheapest price of $522 for your basic liability-only policy to the much higher price of $2,486 for high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than larger metro areas.
The example below illustrates how where you live affects auto insurance rates.
These rate differences show why everyone should compare prices for a specific zip code and their own driving history, rather than relying on price 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.
More Rate Information
The chart below shows estimated Lexus GS 450h insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $687
- Using higher $1,000 deductibles will save about $120 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,154
- Choosing pricier low deductibles for physical damage coverage increases the price to $1,382
- Drivers with multiple violations and an at-fault accident could pay at least $2,486 or more
- An auto insurance policy to insure a teen driver for full coverage can be $4,516 or more
Car insurance prices for a Lexus GS 450h also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Choosing high deductibles could cut prices by as much as $350 each year, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,400 to $1,900 extra annually, depending on your age. Lexus GS 450h insurance for high-risk drivers can be anywhere from 42% to 135% more than average. View High Risk Driver Rates
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 $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,650 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know your exact price is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.
| 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 Shop for the Best Cheap Lexus GS 450h Insurance
Finding better rates on Lexus GS 450h insurance requires being safe and accident-free, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every couple of years by getting rate quotes from direct carriers, and also from local exclusive and independent agents.
Below you'll find a quick review of the material that was touched on in the above illustrations.
- Drivers who may need more liability protection will pay about $520 each year to increase from 30/60 bodily injury limits to a 250/500 level
- Youthful drivers are the costliest to insure, as much as $376 per month if the policy includes full coverage
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,330 more every year than a low-risk driver
- Increasing policy deductibles could save as much as $350 each year
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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