Lexus GS 450h Insurance Rates

Estimated insurance rates for a Lexus GS 450h are $1,154 a year with full coverage. Comprehensive costs around $214 each year, collision insurance costs $308, and liability is estimated at $474. A policy with only liability insurance costs approximately $522 a year, and a high-risk policy costs around $2,486. Teen drivers pay the most at up to $4,516 a year.

Average premium for full coverage: $1,154

Premium estimates for type of coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and GS 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how your location can change auto insurance rates.

These rate differences demonstrate why all drivers should get quotes for a specific zip code and risk profile, instead of using price averages.

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

More Rate Information

The chart below details average Lexus GS 450h insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $687
• Choosing higher $1,000 deductibles can save about $120 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,154
• Choosing low deductibles for comp and collision coverage will increase the cost to $1,382
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,486
• An auto insurance policy for full coverage for a teen driver can be $4,516 each year

Car insurance prices for a Lexus GS 450h also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,500 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Lexus GS 450h insurance prices. A good driver about age 40 could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,560 on average in Florida, Michigan, and New York.

Choosing high deductibles can save as much as $350 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 135% more than average. View High Risk Driver Rates

How to Find Cheap Lexus GS 450h Insurance

Finding better rates on car insurance takes having a decent driving record, having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a brief summary of the data illustrated above.

• Policyholders who may need additional liability coverage will pay about $520 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
• You may be able to save up to $130 per year just by quoting online in advance
• Increasing policy deductibles can save around $350 each year
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $376 per month if full coverage is included