Lexus GS 450h Insurance Rates

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UPDATED: Apr 16, 2024

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

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and GS 450h models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Lexus GS 450h range from as low as $522 for your basic liability-only policy to a high rate of $2,586 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

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

These rate differences highlight why all drivers should compare rates quotes for a specific zip code and risk profile, 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 Information

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

  • The best discount rate is $711
  • Raising to $1,000 deductibles will save about $130 every year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,200
  • Using low deductibles will cost an extra $248 annually
  • Drivers who are prone to accidents and violations could pay at least $2,586
  • An auto insurance policy for full coverage for a 16-year-old driver can be $4,660

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus GS 450h insurance prices. A middle-age driver might find 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 can reduce prices by up to $380 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

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

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 More Affordable Lexus GS 450h Insurance

Finding better rates on insurance for a Lexus GS 450h consists of having a decent driving record, having a good credit history, refrain from filing small claims, and deciding if full coverage is necessary. Invest time comparing rates every year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a summary of the coverage data covered in the charts and tables above.

  • You may be able to save up to $140 per year just by quoting online in advance
  • Increasing policy deductibles can save around $375 each year
  • 16 to 18-year-old drivers are charged the highest prices, with the cost nearing $388 per month including comprehensive and collision insurance
  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,390 more every year than a driver with a clean driving record

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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