Lexus GS 450h Insurance Rates

The average auto insurance rates for a Lexus GS 450h are $1,154 annually including full coverage. Comprehensive insurance costs an estimated $214 each year, collision insurance costs $308, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,486 or more. Teens cost the most to insure at up to $4,516 a year.

Average premium for full coverage: $1,154

Policy rates broken down by type of insurance:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and GS 450h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts insurance prices.

The examples above highlight why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Lexus GS 450h insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $687
• Using higher $1,000 deductibles will save approximately $120 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,154
• Selecting low deductibles for physical damage coverage costs an additional $228 annually
• High-risk insureds with serious driving violations could pay up to $2,486
• Policy cost with full coverage for a 16-year-old driver can cost as much as $4,516 or more

Insurance rates for a Lexus GS 450h also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, 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 a few points on your driving record or you caused a few accidents, you are likely paying $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can be from 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $350 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus GS 450h insurance prices. A driver around age 40 might see rates as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,650 on average in Louisiana, New York, and Michigan.

How to Buy Affordable Lexus GS 450h Insurance

Finding cheaper rates on insurance for a Lexus GS 450h requires having a good driving record, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a brief review of the primary concepts that were touched on above.

• You may be able to save approximately $130 per year just by quoting online in advance
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,330 more annually to buy Lexus GS 450h insurance
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers age 20 and younger are expensive to insure, with premiums being up to $376 each month if they have full coverage