Lexus GS 450h Insurance Rates

Average auto insurance rates for a Lexus GS 450h are $1,252 annually including full coverage. Comprehensive insurance costs an estimated $244 each year, collision insurance costs $372, and liability coverage costs $478. Buying just liability costs as little as $526 a year, and insurance for high-risk drivers costs $2,700 or more. 16-year-old drivers receive the highest rates at up to $4,828 a year.

Average premium for full coverage: $1,252

Rate estimates broken down by individual coverage type:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and GS 450h models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.

These examples highlight why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $736
• Drivers who choose higher $1,000 deductibles will pay approximately $140 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,252
• Buying low deductibles for comprehensive and collision insurance costs an additional $268 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,700
• The cost with full coverage for a teenage driver can cost as much as $4,828 a year

Auto insurance rates for a Lexus GS 450h can also vary considerably based on the trim level of your GS 450h, your driving characteristics, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $410 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus GS 450h insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,790 on average in Louisiana, New York, and Michigan.

How to Buy the Best Cheap Lexus GS 450h Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below is a quick review of the material that was covered in the above illustrations.

• Consumers who want higher levels of liability will pay around $530 per year to go from a minimum limit to higher 250/500 limits
• Teenage drivers are the costliest to insure, as much as $402 per month if full coverage is included
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,450 more annually for auto insurance
• Increasing deductibles could save up to $400 each year