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 insurance costs approximately $214 a year, 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 $2,486 or more. Teenage drivers pay the most at $4,516 a year or more.
Average premium for full coverage: $1,154
Premium estimates by type of coverage:
Price estimates include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and GS 450h trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Lexus GS 450h go from the cheapest price of $522 for a discount liability-only rate to a high of $2,486 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities.
The diagram below illustrates the effect of geographic area on auto insurance prices.
These rate differences show why it is important to compare prices using their specific location and their own driving history, rather than relying on 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.
Rates by State, City, and Model
The chart below shows estimated Lexus GS 450h insurance rates for additional coverage and risk scenarios.
- The best discount rate is $687
- Using higher $1,000 deductibles will save $1,034 a year
- The average price for a 40-year-old good driver who chooses $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 around $2,486 or more
- An auto insurance policy to insure a teen driver can cost $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 model of your GS 450h.
Using high physical damage deductibles could cut prices by as much as $350 each year, while buying higher liability limits will push prices upward. 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
Older drivers 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 much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $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 anywhere from $1,400 to $1,900 extra annually, 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 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,650 on average in New York, Louisiana, and Michigan.
| 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 who has the cheapest car insurance prices is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, 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 Cheaper Lexus GS 450h Insurance
Finding better rates on Lexus GS 450h insurance requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Take the time to compare rates once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The following is a condensed summary of the data that was covered in the above illustrations.
- Drivers can save around $130 per year simply by quoting early and online
- Drivers who purchase higher liability limits will pay an extra $520 each year to increase from 30/60 bodily injury limits to a 250/500 level
- Teens pay the highest auto insurance prices, as much as $376 per month if the policy includes full coverage
- High-risk drivers with multiple at-fault accidents may pay on average $1,330 more per year for GS 450h insurance
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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