Lexus GS 450h Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Compare 2010 Lexus GS 450h Insurance Rates in 2025

Trying to find the cheapest auto insurance rates? Buyers have options when searching for the best price on Lexus GS 450h insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to find auto insurance online so we're going to tell you the proper way to price shop coverage on a Lexus and get the ...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Apr 16, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Lexus GS 450h are $1,200 a year including full coverage. Comprehensive costs around $228 each year, collision insurance costs $340, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,586. 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:

Comprehensive $228
Collision $340
Liability $474

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and GS 450h models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Lexus GS 450h range from the low end price of $522 for just liability insurance to a high rate of $2,586 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

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

These rate differences highlight why all drivers should compare prices for a specific zip code, instead of making a decision based on average rates.

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 breaks down average Lexus GS 450h insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $711
  • Using higher $1,000 deductibles will save about $130 every year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,200
  • Using low deductibles for physical damage coverage bumps up the cost to $1,448
  • High-risk insureds who are prone to accidents and violations could pay at least $2,586
  • An auto insurance policy that insures a 16-year-old driver can be $4,660 or more

Insurance prices for a Lexus GS 450h also have a wide range based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus GS 450h insurance prices. A driver around age 40 might see prices as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,710 on average in Michigan, New York, and Louisiana.

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%

Using high physical damage deductibles could cut prices by as much as $380 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

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 Best Cheap Lexus GS 450h Insurance

Finding better rates on insurance for a Lexus GS 450h requires being a safe and courteous driver, having a good credit score, refrain from filing small claims, and deciding if full coverage is necessary. Compare prices at every other renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.

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

  • Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,390 more every year for auto insurance
  • Teenage drivers are charged the highest prices, with the cost nearing $388 per month if comprehensive and collision insurance is included
  • You may be able to save up to $140 per year just by quoting online in advance
  • Increasing policy deductibles can save approximately $375 each year
  • You may be able to save up to $140 per year just by quoting online in advance

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles