Lexus GS 450h Insurance Rates

Estimated insurance rates for a Lexus GS 450h are $1,200 a year including full coverage. Comprehensive costs approximately $228 a year, collision insurance costs $340, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,586. Teen drivers pay the most at up to $4,660 a year.

Average premium for full coverage: $1,200

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and GS 450h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

These rate differences highlight why it is important to compare prices using their specific location and risk profile, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $711
• Using higher $1,000 deductibles will save $1,070 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,200
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,448
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,586
• An auto insurance policy for full coverage for a 16-year-old driver can cost $4,660 or more

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

Older drivers with a good driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus GS 450h insurance prices. A driver around age 40 might see prices as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,710 on average in Louisiana, New York, and Michigan.

Choosing high deductibles could cut prices by as much as $380 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than average. View High Risk Driver Rates

How to Find the Best Lexus GS 450h Insurance

Finding better rates on insurance for a Lexus GS 450h requires being a good driver, having good credit, refrain from filing small claims, and possibly higher deductibles. Spend time shopping around every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief recap of the ideas that were touched on above.

• Drivers age 16 to 20 have the highest car insurance prices, with the cost nearing $388 per month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,390 more per year than a safer driver
• Increasing policy deductibles can save around $375 each year
• You may be able to save around $140 per year just by quoting early and online