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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.
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The average Lexus GS 450h auto insurance rates are $1,724 a year or $144 a month.
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 |
However, there are a few things you can do to find the cheapest Lexus insurance rates online.
The Lexus GS 450h trim and model you choose will affect the total price you will pay for Lexus GS 450h insurance coverage.
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 |
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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
Lexus GS 450h safety features can lower the cost of your insurance. The safety features for the 2020 Lexus GS 450h include:
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 | |
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.
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
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 | |||
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.
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