Lexus GS 450h Insurance Rates

Estimated insurance prices for a Lexus GS 450h are $1,154 every 12 months including full coverage. Comprehensive costs an estimated $214 each year, collision insurance costs $308, and liability coverage costs $474. A policy with only liability insurance costs as little as $522 a year, and a high-risk policy costs around $2,486. Teenage drivers pay the most at up to $4,516 a year.

Average premium for full coverage: $1,154

Premium estimates broken down by type of coverage:

Prices are based on $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and GS 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

These rate differences highlight why all drivers should compare rates for a targeted area and their own driving history, rather than using average rates.

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

More Rate Details

The chart below breaks down average Lexus GS 450h insurance rates for other coverage scenarios.

• The best discount rate is $687
• Drivers who choose higher $1,000 deductibles will pay approximately $120 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,154
• Using low deductibles for comprehensive and collision insurance increases the price to $1,382
• High-risk insureds who are prone to accidents and violations could pay up to $2,486
• An auto insurance policy to insure a teenage driver can cost as much as $4,516 a year

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

Using high physical damage deductibles could save up to $350 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Lexus GS 450h insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,650 on average in Louisiana, New York, and Michigan.

How to Shop for Affordable Lexus GS 450h Insurance

Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, refrain from filing small claims, and possibly higher deductibles. Invest the time to shop around at least once a year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

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

• You may be able to save approximately $130 per year just by quoting online in advance
• Drivers with DUI or reckless driving convictions may have to pay on average $1,330 more annually for GS 450h insurance
• Increasing policy deductibles could save as much as $350 each year
• Teens have the highest car insurance prices, with the cost nearing $376 per month if the policy includes full coverage