Lexus GS 450h Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 16, 2024
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Estimated insurance rates for a Lexus GS 450h are $1,154 a year with full coverage. Comprehensive insurance costs an estimated $214, collision costs $308, and liability is estimated at $474. A policy with only liability insurance costs approximately $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 broken down by type of coverage:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different GS 450h trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Lexus GS 450h go from as low as $522 for your basic liability-only policy to a much higher rate of $2,486 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.
The price range example below illustrates how rural and urban location affects insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of 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.
More Rate Information
The chart below details estimated Lexus GS 450h insurance rates for other coverage scenarios.
- The best discount rate is $687
- Choosing higher $1,000 deductibles can save approximately $120 annually
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,154
- Using more expensive low deductibles for comp and collision coverage will cost an extra $228 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $2,486 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $4,516 each year
Car insurance prices for a Lexus GS 450h also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.
An older driver with no driving violations and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $4,500 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Lexus GS 450h insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,560 on average in New York, Michigan, and Florida.
| 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 save as much as $350 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out $1,400 to $1,900 extra annually, depending on your age. High-risk driver insurance ranges as much as 42% to 135% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.
| 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 the Best Lexus GS 450h Insurance
Finding better rates on car insurance takes avoiding accidents and claims, having above-average credit, being claim-free, and not having any coverage lapses. Set aside time to shop around at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The points below are a brief recap of the data raised in the charts and tables above.
- Policyholders who want increased liability limits will pay an extra $520 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
- You may be able to save approximately $130 per year simply by shopping early and online
- Increasing policy deductibles can save around $350 each year
- Drivers under the age of 20 have the highest car insurance prices, possibly costing $376 per month if full coverage is included
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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