Lexus GS 450h Insurance Rates

U.S. average auto insurance rates for a Lexus GS 450h are $1,200 annually for full coverage. Comprehensive insurance costs on average $228 each year, collision insurance costs $340, and liability coverage is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs $2,586 or more. 16-year-old drivers pay the highest rates at up to $4,660 a year.

Average premium for full coverage: $1,200

Price estimates by individual coverage:

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and GS 450h models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have fewer accident claims than congested cities. The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above show why all drivers should get quotes based on a specific location and their own personal driving habits, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $711
• Choosing higher $1,000 deductibles can save around $130 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,200
• Buying low deductibles for comp and collision coverage costs an additional $248 each year
• Drivers with multiple tickets or accidents could pay upwards of $2,586
• The price with full coverage for a teenage driver may cost $4,660 each year

Insurance prices for a Lexus GS 450h are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $380 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Lexus GS 450h insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or at least $1,710 on average in Michigan, Louisiana, and New York.

How to Buy Cheaper Lexus GS 450h Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Set aside time to shop around every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following is a condensed summary of the ideas that were raised in the charts and tables above.

• Teens pay the highest prices, with premiums as much as $388 a month including comprehensive and collision insurance
• Drivers with multiple at-fault accidents may be required to pay an average of $1,390 more each year for GS 450h insurance
• Increasing physical damage deductibles could save up to $375 each year
• Drivers can save as much as $140 per year just by quoting online in advance