Lexus GS 450h Insurance Rates

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UPDATED: Apr 16, 2024

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Estimated insurance prices for a Lexus GS 450h are $1,200 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $228, collision insurance costs $340, and liability coverage costs around $474. A policy with only liability insurance costs as low as $522 a year, and a high-risk policy costs $2,586 or more. Teenage drivers pay the most at up to $4,660 a year.

Average premium for full coverage: $1,200

Premium estimates broken down by type of coverage:

Comprehensive $228
Collision $340
Liability $474

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different GS 450h trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Lexus GS 450h range from the cheapest price of $522 for liability-only coverage to a much higher rate of $2,586 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,200
High Risk $2,586

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

These rate differences illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, 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.

Additional Charts and Tables

The chart below illustrates average Lexus GS 450h insurance rates for other coverage scenarios.

  • The best discount rate is $711
  • Using higher $1,000 deductibles will save approximately $130 each year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,200
  • Using more expensive low deductibles for physical damage coverage costs an extra $248 each year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,586
  • An auto insurance policy to insure a teenage driver with full coverage can cost as much as $4,660 or more

Car insurance prices for a Lexus GS 450h also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $380 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus GS 450h insurance rates. A driver around age 40 might see prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,620 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 $1,086 -$114 -9.5%
Alaska $918 -$282 -23.5%
Arizona $994 -$206 -17.2%
Arkansas $1,200 -$0 0.0%
California $1,368 $168 14.0%
Colorado $1,146 -$54 -4.5%
Connecticut $1,234 $34 2.8%
Delaware $1,358 $158 13.2%
Florida $1,500 $300 25.0%
Georgia $1,106 -$94 -7.8%
Hawaii $862 -$338 -28.2%
Idaho $810 -$390 -32.5%
Illinois $894 -$306 -25.5%
Indiana $902 -$298 -24.8%
Iowa $810 -$390 -32.5%
Kansas $1,140 -$60 -5.0%
Kentucky $1,636 $436 36.3%
Louisiana $1,774 $574 47.8%
Maine $740 -$460 -38.3%
Maryland $988 -$212 -17.7%
Massachusetts $960 -$240 -20.0%
Michigan $2,082 $882 73.5%
Minnesota $1,002 -$198 -16.5%
Mississippi $1,436 $236 19.7%
Missouri $1,064 -$136 -11.3%
Montana $1,288 $88 7.3%
Nebraska $946 -$254 -21.2%
Nevada $1,438 $238 19.8%
New Hampshire $862 -$338 -28.2%
New Jersey $1,340 $140 11.7%
New Mexico $1,064 -$136 -11.3%
New York $1,264 $64 5.3%
North Carolina $690 -$510 -42.5%
North Dakota $982 -$218 -18.2%
Ohio $826 -$374 -31.2%
Oklahoma $1,232 $32 2.7%
Oregon $1,098 -$102 -8.5%
Pennsylvania $1,144 -$56 -4.7%
Rhode Island $1,600 $400 33.3%
South Carolina $1,086 -$114 -9.5%
South Dakota $1,012 -$188 -15.7%
Tennessee $1,050 -$150 -12.5%
Texas $1,446 $246 20.5%
Utah $888 -$312 -26.0%
Vermont $822 -$378 -31.5%
Virginia $718 -$482 -40.2%
Washington $928 -$272 -22.7%
West Virginia $1,098 -$102 -8.5%
Wisconsin $832 -$368 -30.7%
Wyoming $1,068 -$132 -11.0%
Lexus GS 450h Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Lexus GS 450h $320 $610 $456 $1,544
2017 Lexus GS 450h $308 $548 $460 $1,474
2016 Lexus GS 450h $288 $504 $460 $1,410
2015 Lexus GS 450h $278 $472 $464 $1,372
2014 Lexus GS 450h $270 $440 $474 $1,342
2013 Lexus GS 450h $250 $410 $474 $1,292
2011 Lexus GS 450h $228 $340 $474 $1,200
2010 Lexus GS 450h $214 $308 $474 $1,154

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 Shop for the Best Lexus GS 450h Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to comparison shop once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a brief recap of the data that was touched on in the above illustrations.

  • It is possible to save approximately $140 per year just by shopping early and online
  • Consumers who want higher liability limits will pay an extra $520 annually to increase from 30/60 bodily injury limits to a 250/500 level
  • Teenagers have the highest car insurance prices, with premiums being up to $388 per month if the policy includes full coverage
  • Drivers who tend to receive serious violations could be forced to pay on average $1,390 more annually for car insurance

Rates by Driver Age

Lexus GS 450h Insurance Rates by Driver Age
Driver Age Premium
16 $4,660
20 $2,742
30 $1,234
40 $1,200
50 $1,096
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

Lexus GS 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,448
$250 $1,334
$500 $1,200
$1,000 $1,070

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 450h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,295
100/300 $1,413
250/500 $1,721
100 CSL $1,342
300 CSL $1,603
500 CSL $1,793

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus GS 450h Insurance Rates for High Risk Drivers
Age Premium
16 $6,602
20 $4,376
30 $2,622
40 $2,586
50 $2,470
60 $2,444

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 $164

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $79
5-yr Claim Free $77
Paid in Full/EFT $48
Advance Quote $55
Online Quote $83
Total Discounts $489
Rate after discounts $711

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

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