Lexus GS 450h Insurance Rates

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UPDATED: Apr 16, 2024

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The average insurance rates for a Lexus GS 450h are $1,154 a year for full coverage insurance. Comprehensive insurance costs on average $214 a year, collision costs $308, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,486 or more. 16-year-old drivers cost the most to insure at $4,516 a year or more.

Average premium for full coverage: $1,154

Policy rates by type of insurance:

Comprehensive $214
Collision $308
Liability $474

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and GS 450h trim levels.

Price Range Variability

For a driver in their 40's, Lexus GS 450h insurance rates go from as low as $522 for basic liability insurance to a high of $2,486 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates how location helps determine car insurance rates.

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

The examples above illustrate why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on rate 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.

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Rate Comparisons

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

  • The best full coverage rate is $687
  • Drivers who choose higher $1,000 deductibles will pay around $1,034 each year
  • The average rate for a good driver age 40 with $500 deductibles is $1,154
  • Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $228 annually
  • Drivers with multiple tickets or accidents could pay upwards of $2,486 or more
  • Policy cost for full coverage for a 16-year-old driver may cost $4,516 a year

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

Your home state makes a big difference in Lexus GS 450h insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,560 on average in Michigan, New York, and Florida.

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%

Opting for high physical damage deductibles could save up to $350 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every company utilizes a different rate formula, and rates will be varied 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 Cheaper Lexus GS 450h Insurance

Finding cheaper rates on insurance for a Lexus GS 450h not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates at least once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a condensed summary of the primary concepts that were covered in the charts and tables above.

  • It is possible to save as much as $130 per year simply by quoting early and online
  • Drivers considered higher risk with multiple at-fault accidents pay an average of $1,330 more each year for car insurance
  • Increasing comprehensive and collision deductibles can save around $350 each year
  • Teenagers pay higher rates, possibly costing $376 each month including comprehensive and collision insurance

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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