Lexus GS 450h Insurance Rates

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

Average premium for full coverage: $1,154

Policy rates for type of insurance:

Prices are based on $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and GS 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below shows estimated Lexus GS 450h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $687
• Using higher $1,000 deductibles will save about $1,034 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,154
• Using low $100 deductibles for physical damage coverage costs an additional $228 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,486 or more
• Policy cost with full coverage for a 16-year-old driver can be $4,516 or more

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

Older 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 as much as $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 could be paying at least $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can be from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $350 annually, while buying higher liability limits will increase rates. Going 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 $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,650 on average in Michigan, Louisiana, and New York.

Because rates have so much variability, the only way to know your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied between companies.

How to Buy Affordable Lexus GS 450h Insurance

Finding cheaper rates on insurance for a Lexus GS 450h requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a brief review of the data touched on in the above illustrations.

• Insureds who may need higher liability limits will pay an extra $520 each year to increase from a 30/60 limit to higher 250/500 limits
• Drivers can save up to $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Teens are charged the highest rates, costing up to $376 each month if they have full coverage