Lexus GS 450h Insurance Rates

The average insurance prices for a Lexus GS 450h are $1,154 every 12 months for full coverage. Comprehensive insurance costs on average $214 a year, collision insurance costs $308, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,486 or more. 16-year-old drivers cost the most to insure at up to $4,516 a year.

Average premium for full coverage: $1,154

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and GS 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities. The diagram below illustrates the difference location can make on car insurance rates.

The examples above show why it is important to compare prices based on a specific location and their own driving history, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $687
• Using higher $1,000 deductibles will save around $1,034 a year
• The average price for a good driver age 40 with $500 deductibles is $1,154
• Buying low $100 deductibles for physical damage coverage costs an extra $228 every year
• Drivers with multiple tickets or accidents could pay upwards of $2,486
• Policy cost to insure a teen driver may cost $4,516 or more

Insurance rates for a Lexus GS 450h also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your GS 450h.

Opting for high physical damage deductibles could cut rates by as much as $350 every year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 135% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Lexus GS 450h insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Idaho, Maine, and Iowa, or at least $1,650 on average in Michigan, Louisiana, and New York.

How to Shop for Affordable Lexus GS 450h Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Make time to compare rates every couple of years by getting price quotes from direct carriers, and also from local independent and exclusive agents.

The items below are a brief review of the material that was touched on in this article.

• Policyholders who require more liability coverage will pay around $520 each year to increase from a 30/60 limit to a 250/500 level
• Teen drivers pay the highest rates, costing up to $376 each month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions pay an average of $1,330 more each year to insure their GS 450h
• Increasing comprehensive and collision deductibles could save as much as $350 each year