Lexus GS 450h Insurance Rates

Estimated auto insurance rates for a Lexus GS 450h are $1,154 annually for full coverage insurance. Comprehensive costs an estimated $214 each year, collision insurance costs $308, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,486. 16-year-old drivers pay the most at up to $4,516 a year.

Average premium for full coverage: $1,154

Premium estimates broken down by type of coverage:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and GS 450h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than congested cities. The graphic below illustrates the difference location can make on insurance prices.

These rate differences illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $687
• Using higher $1,000 deductibles will save approximately $120 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,154
• Buying low deductibles for physical damage coverage will cost $1,382
• Drivers with multiple tickets or accidents could pay up to $2,486
• An auto insurance policy with full coverage for a teen driver can cost as much as $4,516 or more

Insurance prices for a Lexus GS 450h also have a wide range based on the model of your GS 450h, your risk profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $350 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus GS 450h insurance rates. A driver around age 40 might see prices as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,560 on average in Florida, New York, and Michigan.

How to Buy Affordable Lexus GS 450h Insurance

Finding better rates on Lexus GS 450h insurance requires being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates at least every other year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below is a brief review of the car insurance concepts touched on in this article.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,330 more annually for auto insurance
• It is possible to save approximately $130 per year just by quoting online in advance
• Increasing policy deductibles could save up to $350 each year
• Drivers who want higher levels of liability will pay around $520 annually to increase from 30/60 bodily injury limits to higher 250/500 limits