Lexus GS 450h Insurance Rates

Estimated insurance rates for a Lexus GS 450h are $1,200 a year for full coverage. Comprehensive insurance costs around $228, collision insurance costs $340, and liability coverage costs $474. A policy with only liability insurance costs as little 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 for type of coverage:

Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for all GS 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance rates.

These rate differences show why everyone should compare rates for a specific zip code and risk profile, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $711
• Drivers who choose higher $1,000 deductibles will pay about $130 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,200
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $248 each year
• High-risk insureds who are prone to accidents and violations could pay at least $2,586
• An auto insurance policy for full coverage for a teenage driver for full coverage can be $4,660 a year

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

A more mature driver with no driving violations and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus GS 450h insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,710 on average in Michigan, Louisiana, and New York.

Using high physical damage deductibles could save up to $380 a year, whereas buying more liability protection will increase prices. Going 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 could be paying at least $1,400 to $2,000 extra annually, depending on your age. Lexus GS 450h insurance for high-risk drivers can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Lexus GS 450h Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below is a recap of the concepts that were raised in the charts and tables above.

• Drivers that have major violations or accidents may be required to pay an average of $1,390 more every year for auto insurance
• Teenage drivers are the costliest to insure, as much as $388 per month if full coverage is included
• Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $375 each year
• Drivers can save up to $140 per year just by quoting online well ahead of the renewal date