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...
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UPDATED: Apr 16, 2024
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Average insurance prices for a Lexus GS 450h are $1,154 every 12 months with full coverage. Comprehensive costs on average $214, collision costs $308, and liability coverage costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,486. Teenage drivers receive the highest rates at $4,516 a year or more.
Average premium for full coverage: $1,154
Rate estimates by individual coverage type:
Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all GS 450h models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $522 for your basic liability-only policy to the much higher price of $2,486 for a high-risk driver policy.
Price Range by Location
Your location has a large influence on auto insurance rates. Rural areas tend to have more infrequent collision claims than densely populated cities.
The example below illustrates how rural and urban location affects car insurance rates.
These examples demonstrate why everyone should compare rates based on a specific location and their own driving history, rather than using average rates.
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 Information
The chart below details estimated Lexus GS 450h insurance rates for different risk profiles and scenarios.
- The best discount rate is $687
- Drivers who choose higher $1,000 deductibles will pay around $120 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,154
- Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,382
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,486 or more
- The cost to insure a teenage driver for full coverage may cost $4,516 a year
Insurance rates for a Lexus GS 450h can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your GS 450h.
Using high physical damage deductibles could save up to $350 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,400 to $1,900 extra per year, depending on your age. Lexus GS 450h insurance for high-risk drivers can cost around 42% to 135% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Lexus GS 450h insurance rates. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,560 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,044 | -$110 | -9.5% |
| Alaska | $884 | -$270 | -23.4% |
| Arizona | $958 | -$196 | -17.0% |
| Arkansas | $1,154 | -$0 | 0.0% |
| California | $1,316 | $162 | 14.0% |
| Colorado | $1,102 | -$52 | -4.5% |
| Connecticut | $1,186 | $32 | 2.8% |
| Delaware | $1,306 | $152 | 13.2% |
| Florida | $1,446 | $292 | 25.3% |
| Georgia | $1,064 | -$90 | -7.8% |
| Hawaii | $830 | -$324 | -28.1% |
| Idaho | $778 | -$376 | -32.6% |
| Illinois | $860 | -$294 | -25.5% |
| Indiana | $868 | -$286 | -24.8% |
| Iowa | $778 | -$376 | -32.6% |
| Kansas | $1,098 | -$56 | -4.9% |
| Kentucky | $1,574 | $420 | 36.4% |
| Louisiana | $1,706 | $552 | 47.8% |
| Maine | $712 | -$442 | -38.3% |
| Maryland | $950 | -$204 | -17.7% |
| Massachusetts | $922 | -$232 | -20.1% |
| Michigan | $2,006 | $852 | 73.8% |
| Minnesota | $966 | -$188 | -16.3% |
| Mississippi | $1,382 | $228 | 19.8% |
| Missouri | $1,024 | -$130 | -11.3% |
| Montana | $1,240 | $86 | 7.5% |
| Nebraska | $910 | -$244 | -21.1% |
| Nevada | $1,384 | $230 | 19.9% |
| New Hampshire | $830 | -$324 | -28.1% |
| New Jersey | $1,288 | $134 | 11.6% |
| New Mexico | $1,024 | -$130 | -11.3% |
| New York | $1,216 | $62 | 5.4% |
| North Carolina | $666 | -$488 | -42.3% |
| North Dakota | $946 | -$208 | -18.0% |
| Ohio | $796 | -$358 | -31.0% |
| Oklahoma | $1,186 | $32 | 2.8% |
| Oregon | $1,056 | -$98 | -8.5% |
| Pennsylvania | $1,102 | -$52 | -4.5% |
| Rhode Island | $1,540 | $386 | 33.4% |
| South Carolina | $1,046 | -$108 | -9.4% |
| South Dakota | $974 | -$180 | -15.6% |
| Tennessee | $1,012 | -$142 | -12.3% |
| Texas | $1,392 | $238 | 20.6% |
| Utah | $854 | -$300 | -26.0% |
| Vermont | $790 | -$364 | -31.5% |
| Virginia | $690 | -$464 | -40.2% |
| Washington | $894 | -$260 | -22.5% |
| West Virginia | $1,056 | -$98 | -8.5% |
| Wisconsin | $800 | -$354 | -30.7% |
| Wyoming | $1,028 | -$126 | -10.9% |
With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus GS 450h | $308 | $548 | $460 | $1,474 |
| 2017 Lexus GS 450h | $288 | $504 | $460 | $1,410 |
| 2016 Lexus GS 450h | $278 | $472 | $464 | $1,372 |
| 2015 Lexus GS 450h | $270 | $440 | $474 | $1,342 |
| 2014 Lexus GS 450h | $250 | $410 | $474 | $1,292 |
| 2013 Lexus GS 450h | $244 | $372 | $478 | $1,252 |
| 2011 Lexus GS 450h | $214 | $308 | $474 | $1,154 |
| 2010 Lexus GS 450h | $208 | $278 | $468 | $1,112 |
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 the Right Lexus GS 450h Insurance
Saving money on auto insurance not only requires being a low-risk driver, but also having good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around every time your policy renews by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a quick rundown of the information raised in the charts and tables above.
- You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
- Teen drivers pay the highest rates, with premiums as much as $376 per month if they have full coverage
- Increasing deductibles could save as much as $350 each year
- Drivers with reckless driving or DUI convictions may pay on average $1,330 more each year to insure their GS 450h
- Consumers who require more liability coverage will pay an extra $520 every year to go from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,516 |
| 20 | $2,638 |
| 30 | $1,186 |
| 40 | $1,154 |
| 50 | $1,058 |
| 60 | $1,036 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,278 |
| $500 | $1,154 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,154 |
| 50/100 | $1,249 |
| 100/300 | $1,367 |
| 250/500 | $1,675 |
| 100 CSL | $1,296 |
| 300 CSL | $1,557 |
| 500 CSL | $1,747 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,390 |
| 20 | $4,206 |
| 30 | $2,518 |
| 40 | $2,486 |
| 50 | $2,376 |
| 60 | $2,352 |
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 | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $45 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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