Lexus GS 450h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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 insurance costs around $214 a year, collision insurance costs $308, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,486 or more. Teens pay the most at up to $4,516 a year.
Average premium for full coverage: $1,154
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and GS 450h trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lexus GS 450h range from the cheapest price of $522 for minimum levels of liability insurance to a high of $2,486 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.
These rate differences illustrate why it is important to compare rates for a specific zip code and their own driving history, rather than relying 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.
Additional Rate Details
The chart below illustrates average Lexus GS 450h insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $687
- Drivers who choose higher $1,000 deductibles will pay about $1,034 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,154
- Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $228 a year
- High risk drivers with serious driving violations could pay at least $2,486
- An auto insurance policy to insure a teen driver can be $4,516 a year
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 trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $350 each year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $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 at least $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Lexus GS 450h insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,560 on average in Michigan, New York, and Florida.
| 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% |
| 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 Best Cheap Lexus GS 450h Insurance
Finding better rates on Lexus GS 450h insurance not only requires avoiding accidents and claims, but also having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Spend time shopping around at least every other year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a quick review of the car insurance concepts touched on above.
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,330 more every year to insure a Lexus GS 450h
- It is possible to save up to $130 per year just by quoting early and online
- Increasing policy deductibles could save as much as $350 each year
- Drivers who may need increased liability limits will pay approximately $520 annually to go from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,278 |
| $500 | $1,154 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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