Lexus GS 450h Insurance Rates

Average auto insurance rates for a Lexus GS 450h are $1,154 annually for full coverage insurance. Comprehensive costs on average $214 each year, collision insurance costs $308, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,486. Teenage drivers receive the highest rates at up to $4,516 a year.

Average premium for full coverage: $1,154

Rate estimates by individual coverage type:

Estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and GS 450h models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These examples illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $687
• Drivers who choose higher $1,000 deductibles will pay around $120 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,154
• Using low deductibles for comprehensive and collision insurance will cost $1,382
• Drivers who are prone to accidents and violations could pay upwards of $2,486
• The cost with full coverage for a 16-year-old driver may cost $4,516 a year

Auto insurance rates for a Lexus GS 450h can also vary considerably based on the trim level of your GS 450h, your risk profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,400 to $1,900 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $350 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus GS 450h insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,560 on average in Michigan, New York, and Florida.

How to Buy Low Cost Lexus GS 450h Insurance

Saving money on insurance for a Lexus GS 450h not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a review of the data covered above.

• Insureds who require higher liability limits will pay an extra $520 annually to go from a minimum limit to higher 250/500 limits
• It is possible to save as much as $130 per year just by quoting online in advance
• Increasing deductibles could save up to $350 each year
• Teens are charged the highest rates, costing up to $376 per month if full coverage is included