Lexus GS 450h Insurance Rates

Average insurance rates for a Lexus GS 450h are $1,200 a year for full coverage. Comprehensive costs on average $228 a year, collision insurance costs $340, and liability insurance costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs around $2,586. Teen drivers receive the highest rates at up to $4,660 a year.

Average premium for full coverage: $1,200

Rate estimates by individual coverage type:

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and GS 450h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how location impacts car insurance rates.

These examples show why it is important to compare rates based on a specific location, rather than relying on price averages.

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 different risk profiles and scenarios.

• The lowest rate with discounts is $711
• Drivers who choose higher $1,000 deductibles will pay around $1,070 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,200
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,448
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,586
• The cost that insures a teen driver may cost $4,660 a year

Insurance rates for a Lexus GS 450h can also vary considerably based on the trim level of your GS 450h, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

Where you 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 as much as $1,710 on average in Michigan, Louisiana, and New York.

Choosing high deductibles could save up to $380 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Lexus GS 450h Insurance

Saving money on Lexus GS 450h insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unneeded coverage, and dropping full coverage on older vehicles. Shop around at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a quick review of the concepts that were touched on above.

• High-risk drivers with a DUI or reckless driving violation may pay on average $1,390 more each year for auto insurance
• Teenage drivers pay higher rates, costing as high as $388 per month if comprehensive and collision insurance is included
• Drivers can save as much as $140 per year just by quoting early and online
• Increasing deductibles can save approximately $375 each year
• Drivers can save as much as $140 per year just by quoting early and online