Lexus GS 450h Insurance Rates

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UPDATED: Apr 16, 2024

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Estimated insurance prices for a Lexus GS 450h are $1,154 every 12 months for full coverage insurance. Comprehensive costs approximately $214 each year, collision insurance costs $308, and liability insurance is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs around $2,486. Teens pay the most at up to $4,516 a year.

Average premium for full coverage: $1,154

Premium estimates by type of coverage:

Comprehensive $214
Collision $308
Liability $474

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and GS 450h models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Lexus GS 450h range from the cheapest price of $522 for basic liability insurance to a high rate of $2,486 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.

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

These rate differences illustrate why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying on averaged prices.

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

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Rate Comparisons

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

  • The cheapest rate after discounts is $687
  • Raising to $1,000 deductibles will save $120 each year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,154
  • Selecting low deductibles increases the price to $1,382
  • Higher-risk drivers with serious driving violations could pay around $2,486
  • An auto insurance policy to insure a teen driver can cost $4,516

Auto insurance prices for a Lexus GS 450h also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your GS 450h.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $350 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Lexus GS 450h insurance rates. A middle-age driver might find prices as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay 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%
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 Affordable Lexus GS 450h Insurance

Finding better rates on Lexus GS 450h insurance consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following items are a brief review of the ideas that were covered in the charts and tables above.

  • 16 to 18-year-old drivers have the highest car insurance prices, with premiums being up to $376 per month if comprehensive and collision insurance is included
  • High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,330 more per year than a driver with a clean driving record
  • Increasing policy deductibles could save as much as $350 each year
  • It is possible to save around $130 per year just by quoting online in advance

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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