2015 Lexus GS 450 Car Insurance Calculator

Get real-time feedback how changes to driver risk factors and vehicle options impact car insurance rates for a 2015 Lexus GS 450. Ajust options like gender of the driver, whether you're married or single, and the state and city you live in to see how insurance rates are affected. Instantly discover if your choice increases or decreases premiums and why.

The average estimated car insurance premium for a 2015 Lexus GS 450 is $2,096 per year, or about $175 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,096

Cost Per Month

$175

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus GS 450 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2015 Lexus GS 450.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,096
Average Rate
Your Rate
$2,096

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2015 Lexus GS 450 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2015 Lexus GS 450 is $2,096.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2015 Lexus GS 450 vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2015 Lexus GS 450 against all other models in the large luxury car segment. The Lexus GS 450 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus GS 450, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus GS 450.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2015 Lexus GS 450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CTS$1,650-$446
2Cadillac XTS$1,830-$266
3Audi A5$1,868-$228
4Lincoln MKS$1,872-$224
5Infiniti Q60$1,928-$168
6Acura RLX$2,078-$18
7Lexus GS 450$2,096--
8Infiniti Q70L$2,112$16
9Infiniti Q70$2,124$28
10Kia K900$2,148$52
11Lexus LS 460$2,150$54
12Cadillac CTS-V$2,176$80
13Mercedes-Benz CLS550$2,236$140
14Mercedes-Benz C63 AMG$2,256$160
15Hyundai Equus$2,268$172
16BMW 740i$2,324$228
17BMW 650i$2,380$284
18Maserati Ghibli$2,406$310
19Jaguar XJ$2,454$358
20BMW 750i$2,480$384
21Jaguar XJ Super$2,486$390
22Mercedes-Benz E63 AMG$2,538$442
2015 Large Luxury Car Average$2,553$457
23Mercedes-Benz S550$2,580$484
24BMW 750xi$2,602$506
25Mercedes-Benz CLS63 AMG$2,632$536
26Audi RS 7$2,660$564
27Lexus LS 600H$2,706$610
28BMW Alpina B6$2,720$624
29Audi A8$2,740$644
30Audi S8$2,750$654
31Porsche Panamera$2,800$704
32Maserati Quattroporte$2,946$850
33BMW 760i$2,960$864
34Mercedes-Benz S63 AMG$3,088$992
35Mercedes-Benz S600$3,196$1,100
36Bentley Continental$3,596$1,500
37Mercedes-Benz S65 AMG$3,660$1,564
38Mercedes-Benz S65$3,748$1,652
39Bentley Mulsanne$4,342$2,246

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2015 GS 450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 Lexus GS 450.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2015 Lexus GS 450 Insurance Rates by Trim Level
2015 Lexus GS 450 Trim Level Annual Premium Cost Per Month
Hybrid Sedan$2,096$175

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2015 Lexus GS 450 for different driver ages.

2015 Lexus GS 450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,538$628
17$7,289$607
18$6,504$542
19$5,930$494
20$4,532$378
21$4,322$360
22$3,865$322
23$3,177$265
24$3,000$250
25$2,434$203
30$2,228$186
35$2,152$179
40$2,096$175
45$1,960$163
50$1,858$155
55$1,736$145
60$1,740$145
65$1,854$155
70$2,012$168
75$2,378$198
80$2,932$244

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus GS 450 trim levels.