Lexus GS 450h Insurance Rates

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

Average premium for full coverage: $1,200

Premium estimates for type of coverage:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured 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 make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

These rate differences show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below shows average Lexus GS 450h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $711
• Raising to $1,000 deductibles will save about $130 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,200
• Using low deductibles costs an additional $248 annually
• Drivers who are prone to accidents and violations could pay at least $2,586
• An auto insurance policy with full coverage for a 16-year-old driver can be $4,660

Car insurance prices for a Lexus GS 450h also have a wide range based on the model of your GS 450h, your driver profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low 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 without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age

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

Using high physical damage deductibles can reduce prices by up to $380 annually, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 Idaho, Maine, and Iowa, or be forced to pay as much as $1,710 on average in Michigan, Louisiana, and New York.

How to Buy the Best Lexus GS 450h Insurance

Finding better rates on insurance for a Lexus GS 450h consists of being a good driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.

The following list is a brief recap of the data covered in the above illustrations.

• Insureds who may need an increased level of liability coverage will pay an extra $520 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save up to $140 per year just by quoting online in advance
• Increasing policy deductibles could save up to $375 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $388 per month if comprehensive and collision insurance is included