Lexus GS 450h Insurance Rates

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UPDATED: Apr 16, 2024

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

Average premium for full coverage: $1,154

Policy rates by type of insurance:

Comprehensive $214
Collision $308
Liability $474

Includes $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all GS 450h models.

Price Range Variability

For a driver around age 40, Lexus GS 450h insurance rates go from the cheapest price of $522 for basic liability insurance to the much higher price of $2,486 for high-risk insurance.

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

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on car insurance rates.

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

The examples above highlight why everyone should compare rates based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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.

Rate Comparisons

The chart below breaks down estimated Lexus GS 450h insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $687
  • Drivers who choose higher $1,000 deductibles will pay around $120 every year
  • The average price for a good driver age 40 with $500 deductibles is $1,154
  • Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,382
  • Drivers with serious driving violations could pay upwards of $2,486 or more
  • Policy cost to insure a 16-year-old driver for full coverage may cost $4,516 a year

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

Choosing higher comprehensive and collision insurance deductibles could save up to $350 annually, whereas buying more liability protection will cost you more. Changing 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

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher 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 are likely paying at a minimum $1,400 to $1,900 extra every year, depending on your age. Lexus GS 450h insurance for high-risk drivers can cost from 42% to 135% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Lexus GS 450h insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,650 on average in Michigan, New York, and Louisiana.

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%

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every company calculates rates differently, so the rates will be varied.

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 Cheapest Lexus GS 450h Insurance

Finding cheaper rates on insurance for a Lexus GS 450h not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to compare rates every couple of years by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a recap of the material that was covered above.

  • Insureds who require higher liability limits will pay approximately $520 per year to go from a 30/60 limit to a 250/500 level
  • Teens pay the highest rates, with premiums being up to $376 each month if they have full coverage
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,330 more each year for GS 450h insurance
  • Increasing comprehensive and collision deductibles could save as much as $350 each year

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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