Lexus GS 450h Insurance Rates

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UPDATED: Apr 16, 2024

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U.S. average insurance rates for a Lexus GS 450h are $1,154 a year for full coverage insurance. Comprehensive costs approximately $214, collision costs $308, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing around $2,486. Teenage drivers pay the highest rates at $4,516 a year or more.

Average premium for full coverage: $1,154

Price estimates by individual coverage:

Comprehensive $214
Collision $308
Liability $474

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 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 low as $522 for the bare minimum liability coverage to a much higher rate of $2,486 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,154
High Risk $2,486

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance prices.

Rural Areas $866
Small Cities $1,212
Large Cities $1,558

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than using average rates.

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.

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Additional Rate Information

The chart below illustrates estimated Lexus GS 450h insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $687
  • Raising to $1,000 deductibles will save $120 each year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,154
  • Using more expensive low deductibles will increase the cost to $1,382
  • Unlucky drivers who are prone to accidents and violations could pay around $2,486 or more
  • The price for full coverage for a teenage driver with full coverage can cost $4,516

Car insurance prices for a Lexus GS 450h are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

The state you live in also has a big influence on Lexus GS 450h insurance rates. A middle-age driver might find prices as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,560 on average in Florida, New York, and Michigan.

Lexus GS 450h Insurance Rates by State
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%

Using high physical damage deductibles can reduce prices by up to $350 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 135% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

Lexus GS 450h Insurance Rates by Model Year
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 Find Cheap Lexus GS 450h Insurance

Getting lower rates on auto insurance consists of having a good driving record, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest the time to shop around at every other renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a brief summary of the concepts that were illustrated above.

  • Drivers that tend to have accidents or serious violations may pay on average $1,330 more per year to buy Lexus GS 450h insurance
  • Drivers age 20 and younger pay the highest auto insurance prices, as much as $376 a month if full coverage is included
  • It is possible to save around $130 per year simply by shopping early and online
  • Increasing physical damage deductibles can save around $350 each year
  • It is possible to save around $130 per year simply by shopping early and online

Rates by Driver Age

Lexus GS 450h Insurance 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

Lexus GS 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,382
$250 $1,278
$500 $1,154
$1,000 $1,034

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 450h Insurance Rates with Different Liability Limits
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

Lexus GS 450h Insurance 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.

SR-22 Surcharge $156

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
Rate after discounts $687

Discounts are estimated and may not be available from every company or in every state.

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