Lexus GS 450h Insurance Rates

Estimated insurance rates for a Lexus GS 450h are $1,200 a year for full coverage. Comprehensive insurance costs approximately $228 each year, collision insurance costs $340, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,586 or more. Teens pay the most at up to $4,660 a year.

Average premium for full coverage: $1,200

Premium estimates by type of coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and GS 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.

These rate differences show why all drivers should compare rates quotes using their specific location and risk profile, instead of using averaged prices.

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

More Rate Information

The chart below shows average Lexus GS 450h insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $711
• Raising to $1,000 deductibles will save $130 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,200
• Selecting low deductibles will cost an extra $248 every year
• At-risk drivers with serious driving violations could pay around $2,586
• An auto insurance policy for full coverage for a teen driver can cost $4,660

Insurance prices for a Lexus GS 450h also have a wide range based on your driving characteristics, the trim level of your GS 450h, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little 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 can expect to pay in the ballpark of $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 $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.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $380 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates

How to Find the Cheapest Lexus GS 450h Insurance

Finding better rates on car insurance consists of being safe and accident-free, maintaining good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a recap of the data covered in the charts and tables above.

• Policyholders who purchase more liability protection will pay approximately $520 each year to raise from 30/60 bodily injury limits to 250/500 limits
• Drivers can save around $140 per year just by quoting online in advance
• Increasing policy deductibles can save around $375 each year
• Youthful drivers are expensive to insure, as much as $388 per month for full coverage