2016 Lexus GS 450 Car Insurance Calculator

Monitor in real-time how different risk factors impact the cost of insurance for a 2016 Lexus GS 450. Experiment with options like driver's age, policy discounts, and vehicle trim level to see how rates are affected. Know immediately whether your choice increases or decreases the cost of insurance.

The average estimated car insurance premium for a 2016 Lexus GS 450 is $2,218 per year, or about $185 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

$2,218

Cost Per Month

$185

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 2016 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.

$2,218
Average Rate
Your Rate
$2,218

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 2016 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 2016 Lexus GS 450 is $2,218.

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.

2016 Lexus GS 450 vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 Lexus GS 450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac XTS$1,784-$434
2Cadillac CTS$1,808-$410
3Audi A5$1,876-$342
4Lincoln MKS$1,908-$310
5Cadillac CT6$1,924-$294
6Kia K900$2,152-$66
7Acura RLX$2,156-$62
8Infiniti Q70L$2,162-$56
9Mercedes-Benz CLS550$2,204-$14
10Lexus GS 450$2,218--
11Infiniti Q70$2,228$10
12Hyundai Equus$2,256$38
13Lexus LS 460$2,358$140
14Mercedes-Benz C63 AMG$2,434$216
15Cadillac CTS-V$2,440$222
16BMW 740i$2,482$264
17Jaguar XJ$2,498$280
18Mercedes-Benz E63 AMG$2,508$290
19BMW 650i$2,680$462
20Maserati Ghibli$2,684$466
2016 Large Luxury Car Average$2,713$495
21Jaguar XJ Super$2,752$534
22BMW 750i$2,772$554
23Audi RS 7$2,828$610
24Audi S8$2,856$638
25Lexus LS 600H$2,876$658
26Mercedes-Benz CLS63 AMG$2,878$660
27Mercedes-Benz S550$2,924$706
28Maserati Quattroporte$2,932$714
29Mercedes-Benz AMG$2,968$750
30Audi A8$3,014$796
31BMW Alpina B6$3,026$808
32Porsche Panamera$3,102$884
33Mercedes-Benz S63 AMG$3,330$1,112
34Mercedes-Benz S600$3,392$1,174
35Mercedes-Benz S65 AMG$3,910$1,692
36Mercedes-Benz S65$3,956$1,738
37Bentley Continental$4,024$1,806
38Bentley Mulsanne$4,798$2,580

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.

2016 GS 450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Lexus GS 450 Insurance Rates by Trim Level
2016 Lexus GS 450 Trim Level Annual Premium Cost Per Month
Hybrid Sedan$2,218$185

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 2016 Lexus GS 450 for different driver ages.

2016 Lexus GS 450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,948$662
17$7,698$642
18$6,891$574
19$6,271$523
20$4,800$400
21$4,577$381
22$4,096$341
23$3,358$280
24$3,175$265
25$2,576$215
30$2,362$197
35$2,276$190
40$2,218$185
45$2,074$173
50$1,964$164
55$1,832$153
60$1,838$153
65$1,962$164
70$2,122$177
75$2,502$209
80$3,086$257

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.