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Online Lexus GS 450h Insurance Rates [Everything You Need to Know]

Average Lexus GS 450h insurance rates are $144/mo for full coverage while Lexus GS 450h insurance costs are $35/mo for comprehensive, $51.08/mo for collision, and $40.50/mo for liability. Use our comparison tool below to shop around for the best Lexus GS 450h quotes.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 23, 2020

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Key takeaways:

  • Full coverage costs around $1,724 a year or $144 each month
  • A liability-only policy costs around $691 a year or $58 each month
  • Highest rates are for teenage drivers at around $6,301 a year or $525 each month
  • Good drivers can save as much as $711 a year by earning policy discounts
  • Lexus GS 450h insurance costs around $205 more per year than the average vehicle

Lexus GS 450h insurance rates cost about $205 more a year than the average vehicle, with full coverage costing around $1,724 a year or $144 a month. Good drivers are eligible for policy discounts totaling up to $711 a year for remaining safe on the road. Let’s look at Lexus GS 450h insurance rates, insurance loss rates, and more.

You can start comparing quotes for Lexus GS 450h car insurance rates from some of the best car insurance companies by using our free online tool now.

Lexus GS 450h Insurance Cost

The average Lexus GS 450h car insurance rates are $1,724 a year or $144 a month.

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Are Lexus GS 450hs Expensive to Insure?

The chart below details how Lexus GS 450h insurance rates compare to other hybrid/electrics like the Buick LaCrosse, Ford C-Max Hybrid, and Hyundai Sonata Hybrid.

Vehicle Comprehensive Collision Liability Total
Lexus GS 450h $394 $774 $398 $1,724
Buick LaCrosse $320 $566 $338 $1,360
Ford C-Max Hybrid $282 $566 $398 $1,404
Hyundai Sonata Hybrid $322 $626 $420 $1,548
Ford Fusion Energi $336 $626 $372 $1,492
Honda Accord Hybrid $362 $718 $316 $1,532
Chrysler Pacifica Hybrid $370 $656 $338 $1,500

However, there are a few things you can do to find the cheapest Lexus insurance rates online.

What Impacts the Cost of Lexus GS 450h Insurance?

The Lexus GS 450h trim and model you choose can impact the total price you will pay for Lexus GS 450h car insurance coverage.

Age of the Vehicle

The average Lexus GS 450h car insurance rates are higher for newer models. For example, car insurance for a 2018 Lexus GS 450h costs $1,724, while 2010 Lexus GS 450h insurance costs are $1,372, a difference of $352.

Model Year Comprehensive Collision Liability Total
2018 Lexus GS 450h $394 $774 $398 $1,724
2017 Lexus GS 450h $382 $756 $416 $1,712
2016 Lexus GS 450h $368 $724 $430 $1,680
2015 Lexus GS 450h $348 $698 $442 $1,646
2014 Lexus GS 450h $334 $648 $452 $1,592
2013 Lexus GS 450h $320 $610 $456 $1,544
2011 Lexus GS 450h $288 $504 $460 $1,410
2010 Lexus GS 450h $278 $472 $464 $1,372

Driver Age

Driver age can have a significant impact on Lexus GS 450h auto insurance rates. For instance, a 30-year-old driver may pay $76 more each year for Lexus GS 450h auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Lexus GS 450h insurance rates. For example, drivers in Phoenix may pay $948 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Lexus GS 450h auto insurance. Teens and drivers in their 20’s see the highest jump in their Lexus GS 450h auto insurance rates with violations on their driving record.

Lexus GS 450h Safety Ratings

The Lexus GS 450h’s safety ratings will affect your Lexus GS 450h car insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety

Lexus GS 450h Safety Features

The safety features of the Lexus GS 450h can impact your Lexus GS 450h car insurance rates. The Lexus GS 450h has the following safety features:

  • Pedestrian detection
  • Lane departure warning
  • Adaptive cruise control

Lexus GS 450h Insurance Loss Probability

Review the Lexus GS 450h car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Lexus GS 450h auto insurance costs; higher percentages mean higher Lexus GS 450h auto insurance costs.

Insurance Coverage Category Loss Rate
Collision 108%
Property Damage no data
Comprehensive 150%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety

Lexus GS 450h Finance and Insurance Cost

If you are financing a Lexus GS 450h, you will pay more if you purchase Lexus GS 450h auto insurance at the dealership, so be sure to shop around and compare Lexus GS 450h auto insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Lexus GS 450h Insurance

You have more options at your disposal to save money on your Lexus GS 450h auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Lexus GS 450h car insurance rates

  • Ask About Farm and Ranch Vehicle Discounts
  • Spy on Your Teen Driver
  • Ask About Retiree Discounts
  • Get Married and Ask for a Discount
  • Ask About Mature Driver Discounts for Drivers Over 50

Top Lexus GS 450h Insurance Companies

Who is the top car insurance company for Lexus GS 450h insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lexus GS 450h auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lexus GS 450h offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Lexus GS 450h Insurance Quotes Online

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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