Lexus GS 450h Insurance Rates

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

Average premium for full coverage: $1,200

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different GS 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $711
• Using higher $1,000 deductibles will save $130 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,200
• Using more expensive low deductibles for physical damage coverage will cost an additional $248 a year
• Drivers who are prone to accidents and violations could pay around $2,586
• Policy cost that insures a teen driver with full coverage can cost $4,660 or more

Insurance rates for a Lexus GS 450h also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state has a huge impact on Lexus GS 450h insurance rates. A driver around age 40 might see rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,620 on average in Florida, New York, and Michigan.

Using high physical damage deductibles could cut rates by as much as $380 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Lexus GS 450h Insurance

Finding cheaper rates on Lexus GS 450h insurance requires having a decent driving record, having a good credit score, being claim-free, and consideration of higher deductibles. Compare prices every year by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a brief review of the coverage data touched on above.

• It is possible to save around $140 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $388 each month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,390 more per year than a driver with a clean driving record