Lexus GS 450h Insurance Rates
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UPDATED: Apr 16, 2024
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U.S. average auto insurance rates for a Lexus GS 450h are $1,252 annually for full coverage insurance. Comprehensive costs on average $244, collision costs $372, and liability coverage is $478. A policy with just liability insurance costs around $526 a year, with coverage for high-risk drivers costing around $2,700. Teenage drivers pay the highest rates at $4,828 a year or more.
Average premium for full coverage: $1,252
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all GS 450h models.
Price Range from Low to High
For the average driver, Lexus GS 450h insurance prices go from as cheap as $526 for the bare minimum liability coverage to the much higher price of $2,700 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.
The example below illustrates how location impacts car insurance rates.
The ranges above illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, 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.
Additional Rate Information
The chart below illustrates estimated Lexus GS 450h insurance rates for different risk profiles and scenarios.
- The best discount rate is $736
- Raising to $1,000 deductibles will save around $140 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,252
- Using pricier low deductibles will cost $1,520
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,700 or more
- The price with full coverage for a teenage driver for full coverage may cost $4,828
Insurance prices for a Lexus GS 450h are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Lexus GS 450h insurance for high-risk drivers is expensive and can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $410 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Lexus GS 450h insurance rates. A middle-age driver might find prices as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,690 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,132 | -$120 | -9.6% |
Alaska | $960 | -$292 | -23.3% |
Arizona | $1,038 | -$214 | -17.1% |
Arkansas | $1,252 | -$0 | 0.0% |
California | $1,426 | $174 | 13.9% |
Colorado | $1,194 | -$58 | -4.6% |
Connecticut | $1,286 | $34 | 2.7% |
Delaware | $1,416 | $164 | 13.1% |
Florida | $1,564 | $312 | 24.9% |
Georgia | $1,156 | -$96 | -7.7% |
Hawaii | $898 | -$354 | -28.3% |
Idaho | $848 | -$404 | -32.3% |
Illinois | $932 | -$320 | -25.6% |
Indiana | $942 | -$310 | -24.8% |
Iowa | $842 | -$410 | -32.7% |
Kansas | $1,190 | -$62 | -5.0% |
Kentucky | $1,706 | $454 | 36.3% |
Louisiana | $1,852 | $600 | 47.9% |
Maine | $772 | -$480 | -38.3% |
Maryland | $1,032 | -$220 | -17.6% |
Massachusetts | $1,000 | -$252 | -20.1% |
Michigan | $2,176 | $924 | 73.8% |
Minnesota | $1,046 | -$206 | -16.5% |
Mississippi | $1,498 | $246 | 19.6% |
Missouri | $1,110 | -$142 | -11.3% |
Montana | $1,346 | $94 | 7.5% |
Nebraska | $986 | -$266 | -21.2% |
Nevada | $1,500 | $248 | 19.8% |
New Hampshire | $902 | -$350 | -28.0% |
New Jersey | $1,398 | $146 | 11.7% |
New Mexico | $1,106 | -$146 | -11.7% |
New York | $1,318 | $66 | 5.3% |
North Carolina | $720 | -$532 | -42.5% |
North Dakota | $1,024 | -$228 | -18.2% |
Ohio | $864 | -$388 | -31.0% |
Oklahoma | $1,286 | $34 | 2.7% |
Oregon | $1,146 | -$106 | -8.5% |
Pennsylvania | $1,194 | -$58 | -4.6% |
Rhode Island | $1,670 | $418 | 33.4% |
South Carolina | $1,132 | -$120 | -9.6% |
South Dakota | $1,056 | -$196 | -15.7% |
Tennessee | $1,098 | -$154 | -12.3% |
Texas | $1,510 | $258 | 20.6% |
Utah | $926 | -$326 | -26.0% |
Vermont | $856 | -$396 | -31.6% |
Virginia | $748 | -$504 | -40.3% |
Washington | $966 | -$286 | -22.8% |
West Virginia | $1,146 | -$106 | -8.5% |
Wisconsin | $866 | -$386 | -30.8% |
Wyoming | $1,116 | -$136 | -10.9% |
Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different between companies.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Lexus GS 450h | $334 | $648 | $452 | $1,592 |
2017 Lexus GS 450h | $320 | $610 | $456 | $1,544 |
2016 Lexus GS 450h | $308 | $548 | $460 | $1,474 |
2015 Lexus GS 450h | $288 | $504 | $460 | $1,410 |
2014 Lexus GS 450h | $278 | $472 | $464 | $1,372 |
2013 Lexus GS 450h | $270 | $440 | $474 | $1,342 |
2011 Lexus GS 450h | $244 | $372 | $478 | $1,252 |
2010 Lexus GS 450h | $228 | $340 | $474 | $1,200 |
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 Buy More Affordable Lexus GS 450h Insurance
Getting lower rates on auto insurance consists of being a good driver, having a good credit history, not filing small claims, and bundling your home and auto policies. Spend time shopping around at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a summary of the primary concepts that were touched on above.
- It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date
- Drivers who have multiple accidents or major violations may pay on average $1,450 more each year than a safer driver
- Increasing physical damage deductibles could save up to $400 each year
- Drivers age 16 to 20 pay the highest prices, as much as $402 a month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,828 |
20 | $2,864 |
30 | $1,290 |
40 | $1,252 |
50 | $1,148 |
60 | $1,122 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,520 |
$250 | $1,396 |
$500 | $1,252 |
$1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,252 |
50/100 | $1,348 |
100/300 | $1,467 |
250/500 | $1,778 |
100 CSL | $1,395 |
300 CSL | $1,658 |
500 CSL | $1,850 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,850 |
20 | $4,566 |
30 | $2,742 |
40 | $2,700 |
50 | $2,578 |
60 | $2,552 |
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 | $66 |
Multi-vehicle | $67 |
Homeowner | $21 |
5-yr Accident Free | $84 |
5-yr Claim Free | $80 |
Paid in Full/EFT | $51 |
Advance Quote | $59 |
Online Quote | $88 |
Total Discounts | $516 |
Discounts are estimated and may not be available from every company or in every state.
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