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.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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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...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Aug 9, 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 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.


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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, Chevrolet Volt, and Ford Fusion Hybrid.

VehicleComprehensiveCollisionLiabilityTotal
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

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 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. 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 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

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 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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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.

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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