How to Find Cheap Lexus GS 450h Insurance Quotes

Average Lexus GS 450h insurance rates cost $144 per month ($1,724 per year). Finding Lexus GS 450h teenager insurance coverage can cost on average $6,301 a year, so shop around to find cheap rates.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 18, 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 $205 more than the average vehicle per year, but you can pay as low as $58 per month for liability coverage. Full coverage for the Lexus GS 450h is $1,724 per year or $144 per month. Learn how you can save money on Lexus GS 450h insurance rates in this guide.

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

Lexus GS 450h Insurance Cost

The average Lexus GS 450h auto 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 Chrysler Pacifica Hybrid, Buick LaCrosse, and Toyota Prius.

Vehicle Comprehensive Collision Liability Total
Lexus GS 450h $394 $774 $398 $1,724
Chrysler Pacifica Hybrid $370 $656 $338 $1,500
Buick LaCrosse $320 $566 $338 $1,360
Toyota Prius $306 $512 $332 $1,286
Ford Fusion Energi $336 $626 $372 $1,492
Ford C-Max Hybrid $282 $566 $398 $1,404
Honda Accord Hybrid $362 $718 $316 $1,532
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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 will affect 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 rates for a 2018 Lexus GS 450h are $1,724, while 2010 Lexus GS 450h rates 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
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Driver Age

Driver age can have a significant effect on Lexus GS 450h auto insurance rates. For example, 30-year-old drivers pay $76 more for Lexus GS 450h auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Lexus GS 450h insurance rates. For example, drivers in Houston may pay $1,271 a year more than drivers in Columbus.

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 have the highest jump in their Lexus GS 450h auto insurance with violations on their driving record.

Lexus GS 450h Safety Ratings

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

Test Type Rating
Small overlap front: driver-side N/A
Small overlap front: passenger-side N/A
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats N/A
Source: Insurance Institute for Highway Safety
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Lexus GS 450h Crash Test Ratings

Lexus GS 450h crash test ratings can impact your Lexus GS 450h auto insurance rates. See Lexus GS 450h crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Lexus GS 450h N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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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:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Auto-Leveling Headlights
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Lexus GS 450h Insurance Loss Probability

Insurance loss probability on the Lexus GS 450h fluctuates between each type of coverage. The lower percentage means lower Lexus GS 450h car insurance rates; higher percentages mean higher Lexus GS 450h auto insurance rates.

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
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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 car insurance quotes from the best companies using our FREE tool below.

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5 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

  • Use an Accurate Job Title When Requesting Lexus GS 450h Auto Insurance
  • Get Cheaper Lexus GS 450h Auto Insurance Rates as a Full-Time Parent
  • Ask for a Higher Deductible for Your Lexus GS 450h Auto Insurance Policy
  • Ask for a New Lexus GS 450h Auto Insurance Rates Based on Your Improved Credit Score
  • Purchase a Roadside Assistance Program for Your Lexus GS 450h

Top Lexus GS 450h Insurance Companies

The best auto insurance companies for Lexus GS 450h auto insurance rates will offer competitive rates, discounts, and account for the Lexus GS 450h’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.

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
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Compare Free Lexus GS 450h Insurance Quotes Online

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

Free Auto Insurance Comparison

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

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