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 around $228 each year, collision insurance costs $340, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,586 or more. 16-year-old drivers cost the most to insure at up to $4,660 a year.

Average premium for full coverage: $1,200

Policy rates for type of insurance:

Rate estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and GS 450h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how location helps determine auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and risk profile, rather than using rate averages.

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

More Rate Information

The chart below illustrates average Lexus GS 450h insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $711
• Using higher $1,000 deductibles will save about $130 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,200
• Buying low deductibles for physical damage coverage will cost an extra $248 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,586
• Policy cost for full coverage for a teenage driver can be $4,660 or more

Auto insurance rates for a Lexus GS 450h also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $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 Vermont, Wisconsin, and North Carolina, or at least $1,620 on average in Michigan, New York, and Florida.

Opting for high physical damage deductibles could cut rates by as much as $380 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 43% to 130% more than the average rate. View High Risk Driver Rates

How to Find the Best Lexus GS 450h Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having good credit, being claim-free, and possibly raising deductibles. Invest time comparing rates every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief recap of the information covered in the charts and tables above.

• It is possible to save up to $140 per year just by quoting online in advance
• Teens are expensive to insure, possibly costing $388 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $375 each year
• Drivers who tend to receive serious violations may pay on average $1,390 more every year for GS 450h insurance
• Consumers who may need higher liability limits will pay around $520 annually to increase from a 30/60 limit to 250/500 limits