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 $1,200 annually for full coverage. Comprehensive costs on average $228 each year, collision costs $340, and liability coverage is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing around $2,586. Teen drivers pay the highest rates at $4,660 a year or more.
Average premium for full coverage: $1,200
Price estimates by individual coverage:
Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and GS 450h models.
Price Range from Low to High
For a driver around age 40, Lexus GS 450h insurance prices go from as cheap as $522 for a discount liability-only rate to a high rate of $2,586 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas have fewer accident claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using price averages.
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.
Rates by State, City, and Model
The chart below shows estimated Lexus GS 450h insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $711
- Raising to $1,000 deductibles will save around $130 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,200
- Choosing low deductibles will cost $1,448
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,586 or more
- The price with full coverage for a teenage driver may cost $4,660
Insurance prices for a Lexus GS 450h are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $380 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 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 $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,710 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$114 | -9.5% |
| Alaska | $918 | -$282 | -23.5% |
| Arizona | $994 | -$206 | -17.2% |
| Arkansas | $1,200 | -$0 | 0.0% |
| California | $1,368 | $168 | 14.0% |
| Colorado | $1,146 | -$54 | -4.5% |
| Connecticut | $1,234 | $34 | 2.8% |
| Delaware | $1,358 | $158 | 13.2% |
| Florida | $1,500 | $300 | 25.0% |
| Georgia | $1,106 | -$94 | -7.8% |
| Hawaii | $862 | -$338 | -28.2% |
| Idaho | $810 | -$390 | -32.5% |
| Illinois | $894 | -$306 | -25.5% |
| Indiana | $902 | -$298 | -24.8% |
| Iowa | $810 | -$390 | -32.5% |
| Kansas | $1,140 | -$60 | -5.0% |
| Kentucky | $1,636 | $436 | 36.3% |
| Louisiana | $1,774 | $574 | 47.8% |
| Maine | $740 | -$460 | -38.3% |
| Maryland | $988 | -$212 | -17.7% |
| Massachusetts | $960 | -$240 | -20.0% |
| Michigan | $2,082 | $882 | 73.5% |
| Minnesota | $1,002 | -$198 | -16.5% |
| Mississippi | $1,436 | $236 | 19.7% |
| Missouri | $1,064 | -$136 | -11.3% |
| Montana | $1,288 | $88 | 7.3% |
| Nebraska | $946 | -$254 | -21.2% |
| Nevada | $1,438 | $238 | 19.8% |
| New Hampshire | $862 | -$338 | -28.2% |
| New Jersey | $1,340 | $140 | 11.7% |
| New Mexico | $1,064 | -$136 | -11.3% |
| New York | $1,264 | $64 | 5.3% |
| North Carolina | $690 | -$510 | -42.5% |
| North Dakota | $982 | -$218 | -18.2% |
| Ohio | $826 | -$374 | -31.2% |
| Oklahoma | $1,232 | $32 | 2.7% |
| Oregon | $1,098 | -$102 | -8.5% |
| Pennsylvania | $1,144 | -$56 | -4.7% |
| Rhode Island | $1,600 | $400 | 33.3% |
| South Carolina | $1,086 | -$114 | -9.5% |
| South Dakota | $1,012 | -$188 | -15.7% |
| Tennessee | $1,050 | -$150 | -12.5% |
| Texas | $1,446 | $246 | 20.5% |
| Utah | $888 | -$312 | -26.0% |
| Vermont | $822 | -$378 | -31.5% |
| Virginia | $718 | -$482 | -40.2% |
| Washington | $928 | -$272 | -22.7% |
| West Virginia | $1,098 | -$102 | -8.5% |
| Wisconsin | $832 | -$368 | -30.7% |
| Wyoming | $1,068 | -$132 | -11.0% |
Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus GS 450h | $320 | $610 | $456 | $1,544 |
| 2017 Lexus GS 450h | $308 | $548 | $460 | $1,474 |
| 2016 Lexus GS 450h | $288 | $504 | $460 | $1,410 |
| 2015 Lexus GS 450h | $278 | $472 | $464 | $1,372 |
| 2014 Lexus GS 450h | $270 | $440 | $474 | $1,342 |
| 2013 Lexus GS 450h | $250 | $410 | $474 | $1,292 |
| 2011 Lexus GS 450h | $228 | $340 | $474 | $1,200 |
| 2010 Lexus GS 450h | $214 | $308 | $474 | $1,154 |
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 the Best Lexus GS 450h Insurance
Getting lower rates on auto insurance consists of being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and bundling your home and auto policies. Set aside time to compare rates at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
Below is a brief recap of the primary concepts that were covered above.
- Drivers can save as much as $140 per year simply by quoting online in advance
- Drivers who tend to receive serious violations may be required to pay an average of $1,390 more each year for auto insurance
- Increasing physical damage deductibles could save up to $375 each year
- Teenage drivers pay the highest prices, with premiums as much as $388 a month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,660 |
| 20 | $2,742 |
| 30 | $1,234 |
| 40 | $1,200 |
| 50 | $1,096 |
| 60 | $1,074 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,448 |
| $250 | $1,334 |
| $500 | $1,200 |
| $1,000 | $1,070 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,200 |
| 50/100 | $1,295 |
| 100/300 | $1,413 |
| 250/500 | $1,721 |
| 100 CSL | $1,342 |
| 300 CSL | $1,603 |
| 500 CSL | $1,793 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,602 |
| 20 | $4,376 |
| 30 | $2,622 |
| 40 | $2,586 |
| 50 | $2,470 |
| 60 | $2,444 |
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 | $63 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $83 |
| Total Discounts | $489 |
Discounts are estimated and may not be available from every company or in every state.
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