Lexus GS 450h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 16, 2024
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U.S. average insurance prices for a Lexus GS 450h are $1,200 every 12 months for full coverage. Comprehensive costs approximately $228 a year, collision costs $340, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,586. Teens pay the highest rates at $4,660 a year or more.
Average premium for full coverage: $1,200
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and GS 450h trim levels.
Price Range from Low to High
For the average 40-year-old driver, Lexus GS 450h insurance prices go from the cheapest price of $522 for just liability insurance to a high of $2,586 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Rural locations have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on auto insurance prices.
The ranges above show why it is important to get quotes using their specific location and their own driving history, rather than using averaged prices.
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 shows estimated Lexus GS 450h insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $711
- Choosing higher $1,000 deductibles can save $1,070 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,200
- Selecting low $100 deductibles for comp and collision coverage increases the price to $1,448
- Drivers with serious driving violations could pay around $2,586 or more
- The price to insure a teenage driver can cost $4,660 each year
Insurance prices for a Lexus GS 450h are also quite variable based on deductibles and policy limits, your driver profile, and the model of your GS 450h.
Choosing higher comprehensive and collision insurance deductibles can save as much as $380 a year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Lexus GS 450h insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,710 on average in New York, Louisiana, and Michigan.
| 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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Each auto insurer calculates prices differently, and prices may be quite different.
| 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 Shop for Affordable Lexus GS 450h Insurance
Getting lower rates on auto insurance takes being a good driver, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief review of the primary concepts that were touched on in this article.
- Drivers can save around $140 per year simply by quoting early and online
- Drivers with DUI or reckless driving convictions may pay on average $1,390 more per year than a safer driver
- Increasing physical damage deductibles could save as much as $375 each year
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $388 a month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,448 |
| $250 | $1,334 |
| $500 | $1,200 |
| $1,000 | $1,070 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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