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 $1,252 a year for full coverage. Comprehensive costs around $244 a year, collision costs $372, and liability costs around $478. Liability-only coverage costs as low as $526 a year, with high-risk coverage costing around $2,700. Teen drivers pay the highest rates at $4,828 a year or more.
Average premium for full coverage: $1,252
Price estimates for individual coverage:
Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and GS 450h trim levels.
Price Range from Low to High
For a 40-year-old driver, Lexus GS 450h insurance prices go from as low as $526 for just liability insurance to a high of $2,700 for coverage for higher-risk drivers.
Geographic Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates how your location can change auto insurance rates.
The ranges above show why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on price 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.
More Rate Details
The chart below shows estimated Lexus GS 450h insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $736
- Using higher $1,000 deductibles will save about $1,112 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,252
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,520
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,700 or more
- The price for full coverage for a 16-year-old driver can be $4,828 or more
Auto insurance prices for a Lexus GS 450h are also quite variable based on your driving record, the trim level of your GS 450h, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $4,800 a year. View Rates by Age
The state you live in has a huge impact on Lexus GS 450h insurance prices. A driver around age 40 might see prices as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,790 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,132 | -$120 | -9.6% |
| Alaska | $960 | -$292 | -23.3% |
| Arizona | $1,038 | -$214 | -17.1% |
| Arkansas | $1,252 | -$0 | 0.0% |
| California | $1,426 | $174 | 13.9% |
| Colorado | $1,194 | -$58 | -4.6% |
| Connecticut | $1,286 | $34 | 2.7% |
| Delaware | $1,416 | $164 | 13.1% |
| Florida | $1,564 | $312 | 24.9% |
| Georgia | $1,156 | -$96 | -7.7% |
| Hawaii | $898 | -$354 | -28.3% |
| Idaho | $848 | -$404 | -32.3% |
| Illinois | $932 | -$320 | -25.6% |
| Indiana | $942 | -$310 | -24.8% |
| Iowa | $842 | -$410 | -32.7% |
| Kansas | $1,190 | -$62 | -5.0% |
| Kentucky | $1,706 | $454 | 36.3% |
| Louisiana | $1,852 | $600 | 47.9% |
| Maine | $772 | -$480 | -38.3% |
| Maryland | $1,032 | -$220 | -17.6% |
| Massachusetts | $1,000 | -$252 | -20.1% |
| Michigan | $2,176 | $924 | 73.8% |
| Minnesota | $1,046 | -$206 | -16.5% |
| Mississippi | $1,498 | $246 | 19.6% |
| Missouri | $1,110 | -$142 | -11.3% |
| Montana | $1,346 | $94 | 7.5% |
| Nebraska | $986 | -$266 | -21.2% |
| Nevada | $1,500 | $248 | 19.8% |
| New Hampshire | $902 | -$350 | -28.0% |
| New Jersey | $1,398 | $146 | 11.7% |
| New Mexico | $1,106 | -$146 | -11.7% |
| New York | $1,318 | $66 | 5.3% |
| North Carolina | $720 | -$532 | -42.5% |
| North Dakota | $1,024 | -$228 | -18.2% |
| Ohio | $864 | -$388 | -31.0% |
| Oklahoma | $1,286 | $34 | 2.7% |
| Oregon | $1,146 | -$106 | -8.5% |
| Pennsylvania | $1,194 | -$58 | -4.6% |
| Rhode Island | $1,670 | $418 | 33.4% |
| South Carolina | $1,132 | -$120 | -9.6% |
| South Dakota | $1,056 | -$196 | -15.7% |
| Tennessee | $1,098 | -$154 | -12.3% |
| Texas | $1,510 | $258 | 20.6% |
| Utah | $926 | -$326 | -26.0% |
| Vermont | $856 | -$396 | -31.6% |
| Virginia | $748 | -$504 | -40.3% |
| Washington | $966 | -$286 | -22.8% |
| West Virginia | $1,146 | -$106 | -8.5% |
| Wisconsin | $866 | -$386 | -30.8% |
| Wyoming | $1,116 | -$136 | -10.9% |
Choosing high deductibles could cut prices by as much as $410 annually, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 43% to 134% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus GS 450h | $334 | $648 | $452 | $1,592 |
| 2017 Lexus GS 450h | $320 | $610 | $456 | $1,544 |
| 2016 Lexus GS 450h | $308 | $548 | $460 | $1,474 |
| 2015 Lexus GS 450h | $288 | $504 | $460 | $1,410 |
| 2014 Lexus GS 450h | $278 | $472 | $464 | $1,372 |
| 2013 Lexus GS 450h | $270 | $440 | $474 | $1,342 |
| 2011 Lexus GS 450h | $244 | $372 | $478 | $1,252 |
| 2010 Lexus GS 450h | $228 | $340 | $474 | $1,200 |
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 Cheaper Lexus GS 450h Insurance
Getting lower rates on insurance for a Lexus GS 450h requires being a low-risk driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The items below are a condensed summary of the primary concepts that were illustrated above.
- Drivers can save up to $150 per year simply by quoting early and online
- Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,450 more every year to insure their GS 450h
- Increasing physical damage deductibles can save around $400 each year
- Teen drivers are expensive to insure, with premiums as much as $402 a month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,828 |
| 20 | $2,864 |
| 30 | $1,290 |
| 40 | $1,252 |
| 50 | $1,148 |
| 60 | $1,122 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,396 |
| $500 | $1,252 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,252 |
| 50/100 | $1,348 |
| 100/300 | $1,467 |
| 250/500 | $1,778 |
| 100 CSL | $1,395 |
| 300 CSL | $1,658 |
| 500 CSL | $1,850 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,850 |
| 20 | $4,566 |
| 30 | $2,742 |
| 40 | $2,700 |
| 50 | $2,578 |
| 60 | $2,552 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $51 |
| Advance Quote | $59 |
| Online Quote | $88 |
| Total Discounts | $516 |
Discounts are estimated and may not be available from every company or in every state.
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