Buy Cheap Lexus GS 450h Auto Insurance in 2025
Average Lexus GS 450h car insurance rates cost $1,724 a year, or around $144 a month. Mature drivers with good driving records may find rates as low as $1,013 a year.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Jun 21, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
UPDATED: Jun 21, 2023
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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.
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Key takeaways:
- Lexus GS 450h Full coverage costs around $1,724 a year or $144 each month
- Lexus GS 450h liability-only policy costs around $691 a year or $58 each month
- Highest rates are for Lexus GS 450h teenage drivers at around $6,301 a year or $525 each month
- Lexus GS 450h good drivers can save as much as $711 a year by earning Lexus GS 450h policy discounts
- Lexus GS 450h insurance costs around $205 more per year than the average vehicle
Lexus GS 450h insurance doesn’t have to be a struggle. Primarily, it’s about finding a way to easily compare Lexus GS 450h auto insurance rates easily. We can make that happen with the info in our review below as well as our free comparison tool above.
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.
How much does Lexus GS 450h insurance cost?
The average car insurance costs for a Lexus GS 450h 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 Ford Fusion Energi, Toyota Prius, and Hyundai Sonata Hybrid.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus GS 450h | $394 | $774 | $398 | $1,724 |
| Ford Fusion Energi | $336 | $626 | $372 | $1,492 |
| Toyota Prius | $306 | $512 | $332 | $1,286 |
| Hyundai Sonata Hybrid | $322 | $626 | $420 | $1,548 |
| Chevrolet Volt | $370 | $774 | $398 | $1,700 |
| Ford C-Max Hybrid | $282 | $566 | $398 | $1,404 |
| 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 will affect the total price you will pay for Lexus GS 450h insurance coverage.
Age of the Vehicle
The average Lexus GS 450h auto insurance rates are higher for newer models. 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 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 effect on the cost of Lexus GS 450h car insurance. For example, 30-year-old drivers pay approximately $76 more for their 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 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 car 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.
What are the Lexus GS 450h safety ratings?
Your Lexus GS 450h car insurance rates are tied to the safety ratings of the Lexus GS 450h. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | N/R |
| Side | N/R |
| Roof strength | N/R |
| Head restraints and seats | N/R |
| Source: Insurance Institute for Highway Safety | |
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What are the Lexus GS 450h crash test ratings?
Poor Lexus GS 450h crash test ratings could mean higher Lexus GS 450h car insurance rates.
| 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 | ||||
|---|---|---|---|---|
What are the Lexus GS 450h safety features?
The numerous safety features of the Lexus GS 450h help contribute to lower insurance rates. The 2020 Lexus GS 450h has the following safety features:
- Anti-lock brakes
- Stability control
- Blind spot monitors
- Front-impact air bags
- Side impact air bags
- Overhead air bags
- Vehicle stability control
- Knee air bags
- Pretensioners
- Anti-whiplash
- Security system
What is the Lexus GS 450h insurance loss probability?
The lower percentage means lower Lexus GS 450h car insurance costs; higher percentages mean higher Lexus GS 450h car insurance costs. Compare the following Lexus GS 450h auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
| 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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What is the cost of Lexus GS 450h finance and insurance?
If you are financing a Lexus GS 450h, most lenders will require you to carry higher Lexus GS 450h coverage options including comprehensive coverage, so be sure to shop around and compare Lexus GS 450h auto insurance quotes from the best auto insurance companies using our FREE tool below.
What are the best 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:
- Choose a Lexus GS 450h with Cheaper Repair Costs
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
- Ask About Farm and Ranch Vehicle Discounts
- Carpool to Work Instead of Driving Your Lexus GS 450h
- Be Picky About Who Drives Your Lexus GS 450h
What are the 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 | |||
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Compare Free Lexus GS 450h Insurance Quotes Online
You can start comparing quotes for Lexus GS 450h insurance from some of the top car insurance companies by using our free online tool today.
Frequently Asked Questions
How can I find cheap auto insurance for a Lexus GS 450h?
To find cheap auto insurance for a Lexus GS 450h, you can start by comparing quotes from multiple insurance companies. You can also consider factors such as bundling your auto insurance with other policies, maintaining a clean driving record, opting for a higher deductible, and taking advantage of any available discounts.
What are the recommended coverage options for a Lexus GS 450h?
The four most frequent coverage choices for a Lexus GS 450h are as follows:
- Liability coverage (to cover injuries or property damage to others)
- Collision coverage (to pay for repairs to your vehicle in case of an accident)
- Comprehensive coverage (to protect against non-collision incidents such as theft or natural disasters)
- Uninsured/underinsured motorist coverage (to provide coverage if you are involved in an accident with a driver who has insufficient insurance)
Can I customize my auto insurance coverage for a Lexus GS 450h?
Yes, you can customize your auto insurance coverage for a Lexus GS 450h based on your specific needs. Insurance companies offer various optional coverage types, such as roadside assistance, rental car reimbursement, and gap insurance. Speak with your insurance agent to understand the available options and determine what coverage is best for you.
Are there any specific discounts available for insuring a Lexus GS 450h?
Some insurance companies may offer discounts specifically for insuring a Lexus GS 450h. These discounts can vary between providers, but common ones include multi-vehicle discounts, good driver discounts, safety feature discounts (if your vehicle has advanced safety features), and loyalty discounts. It’s recommended to inquire about available discounts when getting quotes from insurance companies.
How can my driving record affect the cost of insuring a Lexus GS 450h?
Your driving record can significantly impact the cost of insuring a Lexus GS 450h. If you have a history of accidents, speeding tickets, or other violations, insurance companies may consider you a higher risk, resulting in higher premiums. Maintaining a clean driving record and practicing safe driving habits can help keep your insurance costs down.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.