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. Comprehensive costs on average $214 a year, collision costs $308, and liability insurance costs $474. A policy with just liability insurance costs as little as $522 a year, with coverage for high-risk drivers costing around $2,486. 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

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

Price Range from Low to High

For the normal driver, Lexus GS 450h insurance prices go from as low as $522 for basic liability insurance to a high of $2,486 for high-risk insurance.

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

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how geographic area affects car insurance rates.

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

The ranges above show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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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Rate Comparisons

The chart below shows estimated 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 $1,034 a year
  • The average rate for the average middle-age driver with $500 deductibles is $1,154
  • Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,382
  • High risk drivers who are prone to accidents and violations could pay upwards of $2,486 or more
  • The price for full coverage for a teen driver may cost $4,516 a year

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.

Older drivers with a clean driving record and high deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,500 a year. View Rates by Age

The state you live in makes a big difference in Lexus GS 450h insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,650 on average in Michigan, Louisiana, and New York.

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 could save up to $350 each year, while buying higher 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 more per year. 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 $1,900 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

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 the Best Cheap Lexus GS 450h Insurance

Getting lower rates on Lexus GS 450h insurance not only requires not taking risks behind the wheel, but also maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Invest the time to compare rates every couple of years by getting price quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following is a quick review of the material that was presented in the illustrations above.

  • Drivers who require higher liability limits will pay an extra $520 each year to go from a low limit to 250/500 limits
  • Teens pay the highest prices, with premiums as much as $376 a month for full coverage
  • High-risk drivers with a DUI or reckless driving violation will pay on average $1,330 more each year for GS 450h insurance
  • Increasing physical damage deductibles can save around $350 each year

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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