Lexus GS 450h Insurance Rates

U.S. average insurance rates for a Lexus GS 450h are $1,154 a year with full coverage. Comprehensive costs approximately $214 a year, collision insurance costs $308, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,486. 16-year-old drivers pay the highest rates at up to $4,516 a year.

Average premium for full coverage: $1,154

Price estimates by individual coverage:

Rate estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and GS 450h trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why it is important to get quotes using their specific location, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below details average Lexus GS 450h insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $687
• Choosing higher $1,000 deductibles can save $1,034 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,154
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,382
• High-risk insureds with multiple tickets or accidents could pay around $2,486
• The price that insures a teen driver can cost $4,516 each year

Car insurance prices for a Lexus GS 450h are also quite variable based on the trim level of your GS 450h, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus GS 450h insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or at least $1,560 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles can save as much as $350 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Lexus GS 450h Insurance

Getting lower rates on Lexus GS 450h insurance takes having a good driving record, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Comparison shop every other policy renewal by requesting quotes from direct companies, and also from local insurance agencies.

The next list is a brief recap of the ideas that were touched on in this article.

• Drivers age 20 and younger pay the highest auto insurance prices, costing up to $376 a month if full coverage is purchased
• High-risk drivers who tend to receive serious violations may have to pay on average $1,330 more per year to buy Lexus GS 450h insurance
• Increasing physical damage deductibles can save approximately $350 each year
• You may be able to save around $130 per year just by quoting early and online