Lexus GS 450h Insurance Rates

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UPDATED: Apr 16, 2024

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Estimated insurance rates for a Lexus GS 450h are $1,200 a year with full coverage. Comprehensive insurance costs around $228, collision insurance costs $340, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,586 or more. Teenage drivers pay the most at up to $4,660 a year.

Average premium for full coverage: $1,200

Premium estimates for type of coverage:

Comprehensive $228
Collision $340
Liability $474

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all GS 450h models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Lexus GS 450h range from as low as $522 for just the minimum liability insurance to the much higher price of $2,586 for coverage for higher-risk drivers.

Liability Only $522
Full Coverage $1,200
High Risk $2,586

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities. The example below illustrates how your location can change auto insurance rates.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

These rate differences demonstrate why everyone should compare prices for a specific zip code and risk profile, 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.

Additional Rate Analysis

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

  • The best discount rate is $711
  • Using higher $1,000 deductibles will save about $130 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,200
  • Using pricier low deductibles for physical damage coverage will cost an extra $248 a year
  • Drivers who are prone to accidents and violations could pay at least $2,586
  • An auto insurance policy for full coverage for a teen driver for full coverage can be $4,660 or more

Auto insurance prices for a Lexus GS 450h also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

A more mature driver with a good driving record and high 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, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

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 $860 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,620 on average in Florida, Michigan, and New York.

Lexus GS 450h Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$114 -9.5%
Alaska $918 -$282 -23.5%
Arizona $994 -$206 -17.2%
Arkansas $1,200 -$0 0.0%
California $1,368 $168 14.0%
Colorado $1,146 -$54 -4.5%
Connecticut $1,234 $34 2.8%
Delaware $1,358 $158 13.2%
Florida $1,500 $300 25.0%
Georgia $1,106 -$94 -7.8%
Hawaii $862 -$338 -28.2%
Idaho $810 -$390 -32.5%
Illinois $894 -$306 -25.5%
Indiana $902 -$298 -24.8%
Iowa $810 -$390 -32.5%
Kansas $1,140 -$60 -5.0%
Kentucky $1,636 $436 36.3%
Louisiana $1,774 $574 47.8%
Maine $740 -$460 -38.3%
Maryland $988 -$212 -17.7%
Massachusetts $960 -$240 -20.0%
Michigan $2,082 $882 73.5%
Minnesota $1,002 -$198 -16.5%
Mississippi $1,436 $236 19.7%
Missouri $1,064 -$136 -11.3%
Montana $1,288 $88 7.3%
Nebraska $946 -$254 -21.2%
Nevada $1,438 $238 19.8%
New Hampshire $862 -$338 -28.2%
New Jersey $1,340 $140 11.7%
New Mexico $1,064 -$136 -11.3%
New York $1,264 $64 5.3%
North Carolina $690 -$510 -42.5%
North Dakota $982 -$218 -18.2%
Ohio $826 -$374 -31.2%
Oklahoma $1,232 $32 2.7%
Oregon $1,098 -$102 -8.5%
Pennsylvania $1,144 -$56 -4.7%
Rhode Island $1,600 $400 33.3%
South Carolina $1,086 -$114 -9.5%
South Dakota $1,012 -$188 -15.7%
Tennessee $1,050 -$150 -12.5%
Texas $1,446 $246 20.5%
Utah $888 -$312 -26.0%
Vermont $822 -$378 -31.5%
Virginia $718 -$482 -40.2%
Washington $928 -$272 -22.7%
West Virginia $1,098 -$102 -8.5%
Wisconsin $832 -$368 -30.7%
Wyoming $1,068 -$132 -11.0%

Using high physical damage deductibles could cut prices by as much as $380 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,400 to $2,000 in extra premium annually, depending on your age. Lexus GS 450h insurance for high-risk drivers can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Lexus GS 450h Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Lexus GS 450h $320 $610 $456 $1,544
2017 Lexus GS 450h $308 $548 $460 $1,474
2016 Lexus GS 450h $288 $504 $460 $1,410
2015 Lexus GS 450h $278 $472 $464 $1,372
2014 Lexus GS 450h $270 $440 $474 $1,342
2013 Lexus GS 450h $250 $410 $474 $1,292
2011 Lexus GS 450h $228 $340 $474 $1,200
2010 Lexus GS 450h $214 $308 $474 $1,154

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 better rates on Lexus GS 450h insurance requires avoiding accidents and claims, having good credit, being claim-free, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a condensed summary of the primary concepts that were illustrated above.

  • You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
  • High-risk drivers with multiple at-fault accidents pay an average of $1,390 more every year to insure a Lexus GS 450h
  • Increasing policy deductibles can save around $375 each year
  • Drivers under the age of 20 are expensive to insure, possibly costing $388 per month if they have full coverage

Rates by Driver Age

Lexus GS 450h Insurance Rates by Driver Age
Driver Age Premium
16 $4,660
20 $2,742
30 $1,234
40 $1,200
50 $1,096
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

Lexus GS 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,448
$250 $1,334
$500 $1,200
$1,000 $1,070

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 450h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,295
100/300 $1,413
250/500 $1,721
100 CSL $1,342
300 CSL $1,603
500 CSL $1,793

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus GS 450h Insurance Rates for High Risk Drivers
Age Premium
16 $6,602
20 $4,376
30 $2,622
40 $2,586
50 $2,470
60 $2,444

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 $164

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $79
5-yr Claim Free $77
Paid in Full/EFT $48
Advance Quote $55
Online Quote $83
Total Discounts $489
Rate after discounts $711

Discounts are estimated and may not be available from every company or in every state.

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