Lexus GS 450h Insurance Rates

U.S. average insurance rates for a Lexus GS 450h are $1,200 a year for full coverage. Comprehensive costs on average $228, collision insurance costs $340, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,586. Teens pay the highest rates at up to $4,660 a year.

Average premium for full coverage: $1,200

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different GS 450h trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine car insurance rates.

The ranges above show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $711
• Using higher $1,000 deductibles will save around $130 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,200
• Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,448
• Drivers with serious driving violations could pay upwards of $2,586
• The price for full coverage for a teen driver with full coverage may cost $4,660 or more

Car insurance prices for a Lexus GS 450h are also quite variable based on your driving record, the trim level of your GS 450h, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

The state you live in has a huge impact on Lexus GS 450h insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,710 on average in Michigan, Louisiana, and New York.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $380 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than the average policy. View High Risk Driver Rates

How to Find Affordable Lexus GS 450h Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every couple of years by obtaining price quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The points below are a brief review of the material that was covered in the charts and tables above.

• Policyholders who require increased liability limits will pay approximately $520 each year to increase from a low limit to 250/500 limits
• Drivers under the age of 20 are expensive to insure, with premiums as much as $388 a month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions will pay on average $1,390 more each year to insure a Lexus GS 450h
• Increasing physical damage deductibles can save around $375 each year