Lexus GS 450h Insurance Rates

Average insurance rates for a Lexus GS 450h are $1,154 a year with full coverage. Comprehensive costs approximately $214 a year, collision insurance costs $308, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $2,486. Teen 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:

Full coverage includes $500 physical damage deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and GS 450h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.

These examples demonstrate why it is important to get quotes using their specific location, 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 and risk scenarios.

• The lowest rate with discounts is $687
• Choosing higher $1,000 deductibles can save $1,034 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,154
• Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,382
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,486
• The cost that insures a teen driver can cost $4,516 each year

Car insurance rates for a Lexus GS 450h can also vary considerably based on the trim level of your GS 450h, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 135% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,500 a year. View Rates by Age

Where you 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 Utah, Ohio, and New Hampshire, or as much as $1,560 on average in New York, Michigan, and Florida.

Choosing high deductibles can save as much as $350 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find More Affordable Lexus GS 450h Insurance

Saving money on car insurance takes being a safe and courteous driver, having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Shop around at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a summary of the data touched on in this article.

• Policyholders who purchase higher levels of liability will pay about $520 every year to raise limits from a minimum limit to the 250/500 level
• You may be able to save around $130 per year just by quoting early and online
• Increasing deductibles can save approximately $350 each year
• Teenage drivers pay the highest auto insurance rates, with premiums as much as $376 per month if full coverage is purchased