How Much is Insurance on a Lexus GS 450h?

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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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

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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 find 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.

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
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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

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
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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.

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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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
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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
  • Front-impact airbags
  • Side impact airbags
  • Overhead airbags
  • Knee airbags
  • Pretensioners
  • Anti-whiplash
  • Security system

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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Lexus GS 450h Finance and Insurance Cost

If you are financing a Lexus GS 450h, most lenders will require your 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.

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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:

  • 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

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.

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