Lexus GS 450h Insurance Rates

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

Average premium for full coverage: $1,154

Policy rates for type of insurance:

Includes $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and GS 450h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.

The examples above demonstrate why it is important to compare prices for a specific zip code and their own driving history, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $687
• Using higher $1,000 deductibles will save about $1,034 annually
• The average price for a good driver age 40 using $500 deductibles is $1,154
• Using low $100 deductibles for physical damage coverage costs an extra $228 a year
• Drivers who are prone to accidents and violations could pay at least $2,486
• Policy cost to insure a teen driver can be $4,516 or more

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

Using high physical damage deductibles could cut rates by as much as $350 each year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $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 may be forking out at least $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus GS 450h insurance rates. A driver around age 40 might see rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,560 on average in Florida, Michigan, and New York.

How to Shop for the Cheapest Lexus GS 450h Insurance

Finding cheaper rates on Lexus GS 450h insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and possibly raising deductibles. Invest the time to shop around once a year by requesting rates from direct companies, and also from several local insurance agents.

The points below are a recap of the data that was illustrated above.

• You may be able to save up to $130 per year just by quoting early and online
• Drivers who may need increased liability limits will pay an extra $520 every year to increase from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 are expensive to insure, as much as $376 each month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents pay on average $1,330 more every year to insure a Lexus GS 450h