How Much is Insurance on a Lexus GS 450h?

Lexus GS 450h insurance costs $144 per month on average, and opting into automatic payments on your Lexus GS 450h insurance policy will save you money. But before buying your policy, compare Lexus GS 450h insurance quotes online for free with our comparison tool in order to find the best deal on your Lexus GS 450h insurance rates.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 around $205 more each 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 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 auto insurance costs are $1,724 a year or $144 a month.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

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, Chevrolet Volt, and Ford Fusion Hybrid.

Vehicle Comprehensive Collision Liability Total
Lexus GS 450h $394 $774 $398 $1,724
Buick LaCrosse $320 $566 $338 $1,360
Chevrolet Volt $370 $774 $398 $1,700
Ford Fusion Hybrid $322 $656 $466 $1,644
Ford C-Max Hybrid $282 $566 $398 $1,404
Chrysler Pacifica Hybrid $370 $656 $338 $1,500
Honda Accord Hybrid $362 $718 $316 $1,532
Compare RatesStart Now →

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

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
Compare RatesStart Now →

Driver Age

Driver age can have a significant effect on Lexus GS 450h car insurance rates. For example, 30-year-old drivers pay $76 more for Lexus GS 450h car 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 New York may pay $1,052 a year more than drivers in Seattle.

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 car insurance 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
Compare RatesStart Now →
Compare RatesStart Now →

Lexus GS 450h Safety Features

Most drivers don’t realize that not only do Lexus GS 450h safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Lexus GS 450h auto insurance rates. The Lexus GS 450h’s safety features include:

  • Pedestrian detection
  • Lane departure warning
  • Adaptive cruise control

Lexus GS 450h Insurance Loss Probability

The Lexus GS 450h’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Lexus GS 450h, others are more favorable and lead to lower 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
Compare RatesStart Now →

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.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Ways to Save on Lexus GS 450h Insurance

There are many ways that you can save on Lexus GS 450h car insurance. Below are five actions you can take to find cheap Lexus GS 450h auto insurance rates.

  • Ask About Lexus GS 450h Discounts If You Were Listed on Someone Else’s Policy
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Pay Your Lexus GS 450h Insurance Upfront
  • Wait Six Years for Accidents to Disappear from Your Record
  • Choose Automatic Payments or EFT for Your Lexus GS 450h Insurance Policy

Top Lexus GS 450h Insurance Companies

Who is the top auto 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 RatesStart Now →

Compare Free Lexus GS 450h Insurance Quotes Online

Start comparing Lexus GS 450h auto insurance quotes for free by using our FREE online comparison tool.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption