Compare Lexus GS 450h Insurance Rates [How to Find Low Rates Online]

Average Lexus GS 450h insurance rates cost $1,724 a year, or around $144 a month. On average, Lexus GS 450h comprehensive insurance coverage costs $420, collision coverage costs $613, and liability coverage costs $486.

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Reviewed byJoel Ohman
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UPDATED: Jun 30, 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 are about $205 more per year than the average vehicle with full coverage costing around $1,724 a year or $144 a month. Good drivers can save up to $711 a year in policy discounts by being safe and courteous while out driving. We’re going to take a quick look at Lexus GS 450h insurance rates, insurance losses, 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 Honda Accord Hybrid, Chevrolet Volt, and Ford Fusion Energi.

VehicleComprehensiveCollisionLiabilityTotal
Lexus GS 450h$394$774$398$1,724
Honda Accord Hybrid$362$718$316$1,532
Chevrolet Volt$370$774$398$1,700
Ford Fusion Energi$336$626$372$1,492
Buick LaCrosse$320$566$338$1,360
Ford Fusion Hybrid$322$656$466$1,644
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 insurance coverage.

Age of the Vehicle

Older Lexus GS 450h models generally cost less to insure. For example, auto 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 YearComprehensiveCollisionLiabilityTotal
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 effect on Lexus GS 450h car insurance rates. As an example, a 30-year-old driver pays around $76 more each year for their Lexus GS 450h car 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 Los Angeles may pay $246 a year more than drivers in Houston.

Your Driving Record

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

Lexus GS 450h Safety Ratings

Your Lexus GS 450h auto insurance rates are influenced by the Lexus GS 450h’s safety ratings. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideNot Tested
Small overlap front: passenger-sideNot Tested
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsNot Tested
Source: Insurance Institute for Highway Safety

Lexus GS 450h Safety Features

Lexus GS 450h safety features can lower the cost of your insurance. The safety features for the 2020 Lexus GS 450h include:

  • 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 CategoryLoss Rate
Collision108%
Property Damageno data
Comprehensive150%
Personal Injuryno data
Medical Paymentno data
Bodily Injuryno 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 car insurance at the dealership, so be sure to shop around and compare Lexus GS 450h car insurance quotes from the best companies using our FREE tool below.

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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

There are several ways you can save even more on your Lexus GS 450h car insurance rates. Take a look at the following five tips:

  • Buy Your Lexus GS 450h with Cash, or Get a Shorter-Term Loan
  • Work with a Direct Insurer Instead of an Insurance Broker for Your Lexus GS 450h
  • Check the Odometer on Your Lexus GS 450h
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Make Sure You’re Raising a Safe Driver

Top Lexus GS 450h Insurance Companies

Several insurance companies offer competitive rates for the Lexus GS 450h based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Lexus GS 450h drivers organized by market share.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

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