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 with full coverage. Comprehensive insurance costs around $228, collision costs $340, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing $2,586 or more. Teen drivers pay the most at $4,660 a year or more.
Average premium for full coverage: $1,200
Premium estimates for type of coverage:
These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all GS 450h models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Lexus GS 450h go from as low as $522 for the bare minimum liability coverage to the much higher price of $2,586 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas.
The example below illustrates how geographic area affects auto insurance rates.
These rate differences demonstrate why everyone should get quotes for a specific zip code and risk profile, instead of making a decision based on price averages.
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.
Additional Rate Information
The chart below details estimated Lexus GS 450h insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $711
- Choosing higher $1,000 deductibles can save about $130 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,200
- Choosing pricier low deductibles for comp and collision coverage will cost an extra $248 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,586 or more
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage can be $4,660 each year
Auto insurance prices for a Lexus GS 450h also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Lexus GS 450h insurance prices. A good driver about age 40 could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,620 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles can save as much as $380 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,400 to $2,000 in extra premium annually, depending on your age. Lexus GS 450h insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to find out your exact price is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different from one company to the next.
| 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 Cheap Lexus GS 450h Insurance
Finding better rates on insurance for a Lexus GS 450h takes not taking risks behind the wheel, having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following is a brief summary of the ideas that were presented in the illustrations above.
- Teens are expensive to insure, possibly costing $388 per month if they have full coverage
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,390 more every year for GS 450h insurance
- Increasing policy deductibles can save around $375 each year
- You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
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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