Lexus GS 450h Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 16, 2024

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U.S. average insurance rates for a Lexus GS 450h are $1,252 a year for full coverage insurance. Comprehensive costs on average $244, collision costs $372, and liability insurance is estimated at $478. Buying just liability costs approximately $526 a year, with insurance for high-risk drivers costing around $2,700. Teens pay the highest rates at $4,828 a year or more.

Average premium for full coverage: $1,252

Price estimates by individual coverage:

Comprehensive $244
Collision $372
Liability $478

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. 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 the low end price of $526 for minimum levels of liability insurance to the much higher price of $2,700 for a driver who has had serious violations or accidents.

Liability Only $526
Full Coverage $1,252
High Risk $2,700

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how location impacts car insurance rates.

Rural Areas $939
Small Cities $1,315
Large Cities $1,690

The ranges above illustrate why everyone should get quotes based on a specific location, rather than relying on averaged prices.

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 Details

The chart below illustrates estimated Lexus GS 450h insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $736
  • Choosing higher $1,000 deductibles can save around $140 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,252
  • Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,520
  • High-risk insureds with serious driving violations could pay upwards of $2,700 or more
  • The price that insures a teen driver for full coverage may cost $4,828 each year

Insurance prices for a Lexus GS 450h are also quite variable based on the model of your GS 450h, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Lexus GS 450h insurance for high-risk drivers ranges anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus GS 450h insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,690 on average in Michigan, New York, and Florida.

Lexus GS 450h Insurance Rates by State
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%

Choosing higher comprehensive and collision insurance deductibles can save as much as $410 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, and prices may be quite different.

Lexus GS 450h Insurance Rates by Model Year
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 Find Cheap Lexus GS 450h Insurance

Getting lower rates on Lexus GS 450h insurance takes being a good driver, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare rates every other policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a brief summary of the ideas that were touched on above.

  • Drivers age 16 to 20 pay higher prices, as much as $402 a month if comprehensive and collision insurance is included
  • High-risk drivers that tend to have accidents or serious violations may pay on average $1,450 more each year than a safer driver
  • Increasing physical damage deductibles can save approximately $400 each year
  • It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Lexus GS 450h Insurance 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

Lexus GS 450h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,520
$250 $1,396
$500 $1,252
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 450h Insurance Rates with Different Liability Limits
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

Lexus GS 450h Insurance 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.

SR-22 Surcharge $171

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
Rate after discounts $736

Discounts are estimated and may not be available from every company or in every state.

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