Lexus GS 450h Insurance Rates
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UPDATED: Apr 16, 2024
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U.S. average insurance rates for a Lexus GS 450h are $1,200 a year for full coverage. Comprehensive insurance costs an estimated $228 each year, collision costs $340, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,586 or more. 16-year-old drivers pay the highest rates at $4,660 a year or more.
Average premium for full coverage: $1,200
Price estimates broken down by individual coverage:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and GS 450h models.
Price Range from Low to High
For a driver in their 40's, Lexus GS 450h insurance prices go from the low end price of $522 for liability-only coverage to a high rate of $2,586 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a large influence on insurance rates. More rural locations have lower incidents of accident claims than congested cities.
The graphic below illustrates how location helps determine insurance prices.
The ranges above show why all drivers should compare prices for a targeted area, rather than using rate 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 Charts and Tables
The chart below shows estimated Lexus GS 450h insurance rates for other coverage scenarios.
- The best full coverage rate is $711
- Using higher $1,000 deductibles will save approximately $130 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,200
- Buying low deductibles for physical damage coverage will cost an additional $248 each year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,586 or more
- The price that insures a teenage driver can cost as much as $4,660 or more
Auto insurance prices for a Lexus GS 450h are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be around 43% to 130% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age
The state you live in has a huge impact on Lexus GS 450h insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Iowa, Maine, and Idaho, or 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% |
Opting for high physical damage deductibles could cut prices by as much as $380 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and quoted 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 Find Low Cost Lexus GS 450h Insurance
Getting lower rates on auto insurance requires being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Comparison shop every other policy renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The following list is a review of the ideas that were covered in the charts and tables above.
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $388 a month if the policy includes full coverage
- Drivers who have several accidents or serious violations may pay on average $1,390 more annually than a safer driver
- Increasing physical damage deductibles can save approximately $375 each year
- Drivers can save approximately $140 per year simply by quoting online in advance
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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