Lexus GS 450h Insurance Rates

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UPDATED: Apr 16, 2024

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U.S. average insurance rates for a Lexus GS 450h are $1,154 a year for full coverage insurance. Comprehensive insurance costs approximately $214 each year, collision costs $308, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,486 or more. Teenage drivers pay the highest rates at $4,516 a year or more.

Average premium for full coverage: $1,154

Price estimates by individual coverage:

Comprehensive $214
Collision $308
Liability $474

Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and GS 450h models.

Price Range from Low to High

For the average 40-year-old driver, Lexus GS 450h insurance prices go from the low end price of $522 for the bare minimum liability coverage to a high rate of $2,486 for a high-risk driver policy.

Liability Only $522
Full Coverage $1,154
High Risk $2,486

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance prices.

Rural Areas $866
Small Cities $1,212
Large Cities $1,558

The ranges above illustrate why all drivers should compare rates quotes using their specific location, rather than using average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Additional Rate Information

The chart below illustrates estimated Lexus GS 450h insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $687
  • Raising to $1,000 deductibles will save $120 each year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,154
  • Using low deductibles will cost an additional $228 each year
  • Unlucky drivers who are prone to accidents and violations could pay around $2,486 or more
  • The price that insures a teenage driver can cost $4,516

Insurance prices for a Lexus GS 450h are also quite variable based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

The state you live in also has a big influence on Lexus GS 450h insurance rates. A middle-age driver might find prices as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,560 on average in Florida, New York, and Michigan.

Lexus GS 450h Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,044 -$110 -9.5%
Alaska $884 -$270 -23.4%
Arizona $958 -$196 -17.0%
Arkansas $1,154 -$0 0.0%
California $1,316 $162 14.0%
Colorado $1,102 -$52 -4.5%
Connecticut $1,186 $32 2.8%
Delaware $1,306 $152 13.2%
Florida $1,446 $292 25.3%
Georgia $1,064 -$90 -7.8%
Hawaii $830 -$324 -28.1%
Idaho $778 -$376 -32.6%
Illinois $860 -$294 -25.5%
Indiana $868 -$286 -24.8%
Iowa $778 -$376 -32.6%
Kansas $1,098 -$56 -4.9%
Kentucky $1,574 $420 36.4%
Louisiana $1,706 $552 47.8%
Maine $712 -$442 -38.3%
Maryland $950 -$204 -17.7%
Massachusetts $922 -$232 -20.1%
Michigan $2,006 $852 73.8%
Minnesota $966 -$188 -16.3%
Mississippi $1,382 $228 19.8%
Missouri $1,024 -$130 -11.3%
Montana $1,240 $86 7.5%
Nebraska $910 -$244 -21.1%
Nevada $1,384 $230 19.9%
New Hampshire $830 -$324 -28.1%
New Jersey $1,288 $134 11.6%
New Mexico $1,024 -$130 -11.3%
New York $1,216 $62 5.4%
North Carolina $666 -$488 -42.3%
North Dakota $946 -$208 -18.0%
Ohio $796 -$358 -31.0%
Oklahoma $1,186 $32 2.8%
Oregon $1,056 -$98 -8.5%
Pennsylvania $1,102 -$52 -4.5%
Rhode Island $1,540 $386 33.4%
South Carolina $1,046 -$108 -9.4%
South Dakota $974 -$180 -15.6%
Tennessee $1,012 -$142 -12.3%
Texas $1,392 $238 20.6%
Utah $854 -$300 -26.0%
Vermont $790 -$364 -31.5%
Virginia $690 -$464 -40.2%
Washington $894 -$260 -22.5%
West Virginia $1,056 -$98 -8.5%
Wisconsin $800 -$354 -30.7%
Wyoming $1,028 -$126 -10.9%

Using high physical damage deductibles can reduce prices by up to $350 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices may be quite different.

Lexus GS 450h Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Lexus GS 450h $308 $548 $460 $1,474
2017 Lexus GS 450h $288 $504 $460 $1,410
2016 Lexus GS 450h $278 $472 $464 $1,372
2015 Lexus GS 450h $270 $440 $474 $1,342
2014 Lexus GS 450h $250 $410 $474 $1,292
2013 Lexus GS 450h $244 $372 $478 $1,252
2011 Lexus GS 450h $214 $308 $474 $1,154
2010 Lexus GS 450h $208 $278 $468 $1,112

Rates are averaged for all Lexus GS 450h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Low Cost Lexus GS 450h Insurance

Getting lower rates on auto insurance consists of being a safe and courteous driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every time your policy renews by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

Below is a review of the information touched on in this article.

  • It is possible to save around $130 per year simply by quoting online in advance
  • Teenage drivers are the costliest to insure, as much as $376 a month if comprehensive and collision insurance is included
  • Increasing physical damage deductibles can save approximately $350 each year
  • Drivers who have several accidents or serious violations could be charged and average of $1,330 more per year for auto insurance
  • Consumers who purchase higher levels of liability will pay an extra $520 annually to raise from a low limit to the 250/500 level

Rates by Driver Age

Lexus GS 450h Insurance Rates by Driver Age
Driver Age Premium
16 $4,516
20 $2,638
30 $1,186
40 $1,154
50 $1,058
60 $1,036

Full coverage, $500 deductibles

Rates by Deductible

Lexus GS 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,382
$250 $1,278
$500 $1,154
$1,000 $1,034

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 450h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,154
50/100 $1,249
100/300 $1,367
250/500 $1,675
100 CSL $1,296
300 CSL $1,557
500 CSL $1,747

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus GS 450h Insurance Rates for High Risk Drivers
Age Premium
16 $6,390
20 $4,206
30 $2,518
40 $2,486
50 $2,376
60 $2,352

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $156

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $53
Online Quote $80
Total Discounts $467
Rate after discounts $687

Discounts are estimated and may not be available from every company or in every state.

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