Lexus GS 450h Insurance Rates

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UPDATED: Apr 16, 2024

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Estimated insurance prices for a Lexus GS 450h are $1,154 every 12 months for full coverage insurance. Comprehensive costs on average $214 a year, collision insurance costs $308, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,486. Teen drivers pay the most at up to $4,516 a year.

Average premium for full coverage: $1,154

Premium estimates by type of coverage:

Comprehensive $214
Collision $308
Liability $474

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and GS 450h trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Lexus GS 450h range from the cheapest price of $522 for just liability insurance to a high of $2,486 for a high-risk driver policy.

Liability Only $522
Full Coverage $1,154
High Risk $2,486

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $866
Small Cities $1,212
Large Cities $1,558

These rate differences illustrate why it is important to compare prices based on a specific location and their own driving history, instead of making a decision based on price averages.

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.

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More Rate Details

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

  • The lowest rate with discounts is $687
  • Using higher $1,000 deductibles will save around $1,034 each year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,154
  • Choosing low $100 deductibles for physical damage coverage increases the price to $1,382
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,486
  • An auto insurance policy to insure a 16-year-old driver may cost $4,516 or more

Insurance prices for a Lexus GS 450h also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your GS 450h.

Choosing high deductibles could cut prices by as much as $350 annually, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,400 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy can be from 42% to 135% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus GS 450h insurance prices. A driver around age 40 might see prices as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,560 on average in Michigan, New York, and Florida.

Lexus GS 450h Insurance Rates by State
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%
Lexus GS 450h Insurance Rates by Model Year
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 Shop for the Right Lexus GS 450h Insurance

Finding better rates on insurance for a Lexus GS 450h requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following items are a quick rundown of the information touched on in the above illustrations.

  • It is possible to save as much as $130 per year just by quoting early and online
  • 16 to 18-year-old drivers pay higher prices, with premiums being up to $376 per month if full coverage is included
  • Increasing policy deductibles could save as much as $350 each year
  • Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,330 more each year than a driver with a clean driving record
  • Insureds who require additional liability coverage will pay about $520 annually to increase from 30/60 bodily injury limits to a 250/500 level

Rates by Driver Age

Lexus GS 450h Insurance 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

Lexus GS 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,382
$250 $1,278
$500 $1,154
$1,000 $1,034

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 450h Insurance Rates with Different Liability Limits
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

Lexus GS 450h Insurance 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.

SR-22 Surcharge $156

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
Rate after discounts $687

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

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