Lexus GS 450h Insurance Rates

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UPDATED: Apr 16, 2024

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The average insurance prices for a Lexus GS 450h are $1,154 every 12 months for full coverage. Comprehensive insurance costs approximately $214 each year, collision insurance costs $308, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,486 or more. Teenage drivers cost the most to insure at up to $4,516 a year.

Average premium for full coverage: $1,154

Policy rates by type of insurance:

Comprehensive $214
Collision $308
Liability $474

Prices are based on $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and GS 450h models.

Price Range Variability

For a driver around age 40, Lexus GS 450h insurance rates range from the cheapest price of $522 for your basic liability-only policy to a high rate 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

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

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

The examples above show why all drivers should compare rates quotes using their specific location and their own driving history, instead of using average rates.

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

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More Rate Information

The chart below shows average 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 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,154
  • Using low deductibles costs an extra $228 every year
  • At-risk drivers who are prone to accidents and violations could pay around $2,486
  • Policy cost to insure a teen driver can cost $4,516

Auto insurance rates for a Lexus GS 450h also range considerably based on liability limits and deductibles, your driver profile, and the model of your GS 450h.

Using high physical damage deductibles can reduce rates by up to $350 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,400 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Lexus GS 450h insurance prices. A middle-age driver might find rates 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.

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%
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 Shop for Affordable Lexus GS 450h Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to compare rates at least once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a brief review of the primary concepts that were covered above.

  • Drivers can save around $130 per year just by quoting online in advance
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,330 more per year for GS 450h insurance
  • Increasing comprehensive and collision deductibles could save as much as $350 each year
  • Teens have the highest car insurance rates, costing up to $376 each month if comprehensive and collision insurance is included

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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