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 $1,200 a year including full coverage. Comprehensive costs approximately $228, collision costs $340, and liability coverage costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,586. 16-year-old drivers pay the highest rates at $4,660 a year or more.

Average premium for full coverage: $1,200

Price estimates by individual coverage:

Comprehensive $228
Collision $340
Liability $474

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different GS 450h trim levels.

Price Range from Low to High

For the average 40-year-old driver, Lexus GS 450h insurance prices go from as low as $522 for the bare minimum liability coverage to a much higher rate of $2,586 for a high-risk driver policy.

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

Geographic Price Range

Your location has a large influence on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates the difference location can make on auto insurance prices.

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

The ranges above highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using rate averages.

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 Rate Information

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

  • The best full coverage rate is $711
  • Drivers who choose higher $1,000 deductibles will pay $130 every year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,200
  • Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,448
  • High-risk insureds with multiple tickets or accidents could pay around $2,586 or more
  • The price for full coverage for a teenage driver with full coverage can cost $4,660 a year

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

An older driver with no violations or accidents and high deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,600 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 $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,710 on average in Louisiana, 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%

Opting for high physical damage deductibles could save up to $380 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices and see how they stack up. Every company utilizes a different rate formula, and 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 $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 Find the Right Lexus GS 450h Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also having a good credit history, being claim-free, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a quick rundown of the information touched on in this article.

  • You may be able to save around $140 per year simply by shopping early and online
  • 16 to 18-year-old drivers are the costliest to insure, possibly costing $388 a month including comprehensive and collision insurance
  • Increasing physical damage deductibles can save around $375 each year
  • Drivers with reckless driving or DUI convictions could be forced to pay on average $1,390 more per year than a driver with a clean driving record
  • Consumers who purchase additional liability coverage will pay around $520 per year to go from a low limit to 250/500 limits

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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