Lexus GS 450h Insurance Rates

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UPDATED: Apr 16, 2024

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Average insurance prices for a Lexus GS 450h are $1,154 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $214 a year, collision costs $308, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,486 or more. 16-year-old drivers receive the highest rates at $4,516 a year or more.

Average premium for full coverage: $1,154

Rate estimates by individual coverage type:

Comprehensive $214
Collision $308
Liability $474

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and GS 450h trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from the cheapest price of $522 for minimum levels of liability insurance to a high of $2,486 for a driver who has had serious violations or accidents.

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

Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than congested cities.

The diagram below illustrates how geographic area affects auto insurance prices.

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

These examples illustrate why it is important to compare rates using their specific location and their own driving history, instead of making a decision based on rate 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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Additional Rate Details

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

  • The best full coverage rate is $687
  • Drivers who choose higher $1,000 deductibles will pay $1,034 each year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,154
  • Buying low $100 deductibles for comprehensive and collision insurance costs an extra $228 annually
  • Drivers with multiple tickets or accidents could pay around $2,486 or more
  • The cost to insure a 16-year-old driver can cost $4,516 a year

Car insurance rates for a Lexus GS 450h can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your GS 450h.

Opting for high physical damage deductibles could save up to $350 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Lexus GS 450h insurance prices. A 40-year-old driver could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,560 on average in Florida, New York, and Michigan.

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%

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every company utilizes a different rate formula, so rate quotes can be significantly different.

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 Cheaper Lexus GS 450h Insurance

Saving money on insurance for a Lexus GS 450h not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates every other policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below is a condensed summary of the ideas that were presented in the illustrations above.

  • Teenage drivers pay the highest auto insurance rates, costing up to $376 per month if the policy includes full coverage
  • Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,330 more per year for auto insurance
  • Increasing deductibles could save as much as $350 each year
  • It is possible to save around $130 per year simply by quoting early and online

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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