Lexus GS 450h Insurance Rates

Estimated insurance prices for a Lexus GS 450h are $1,154 every 12 months including full coverage. Comprehensive costs approximately $214 a year, collision insurance costs $308, and liability insurance is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,486. Teen drivers pay the most at up to $4,516 a year.

Average premium for full coverage: $1,154

Premium estimates by type of coverage:

Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and GS 450h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences highlight why it is important to compare rates quotes using their specific location and their own driving history, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $687
• Raising to $1,000 deductibles will save $1,034 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,154
• Choosing low $100 deductibles increases the price to $1,382
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,486
• An auto insurance policy to insure a teen driver can cost $4,516

Insurance prices for a Lexus GS 450h also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your GS 450h.

Choosing high deductibles can reduce prices by up to $350 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Lexus GS 450h insurance rates. A middle-age driver might find prices as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,650 on average in Louisiana, New York, and Michigan.

How to Shop for Affordable Lexus GS 450h Insurance

Finding better rates on Lexus GS 450h insurance consists of being a safe and courteous driver, having good credit, refrain from filing small claims, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

Below is a brief review of the coverage data raised in the charts and tables above.

• You may be able to save around $130 per year just by quoting early and online
• Increasing policy deductibles could save as much as $350 each year
• Teenage drivers are expensive to insure, with the cost nearing $376 per month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,330 more per year for auto insurance