2018 Lexus GS 450 Car Insurance Calculator

See in real-time how different driver and vehicle factors influence insurance rates for a 2018 Lexus GS 450. Set options like gender of the driver, whether you're married or single, and the state and city you live in to see how rates are impacted. Instantly discover if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2018 Lexus GS 450 is $2,488 per year, or about $207 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

$2,488

Cost Per Month

$207

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 2018 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.

$2,488
Average Rate
Your Rate
$2,488

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 2018 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 2018 Lexus GS 450 is $2,488.

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.

2018 Lexus GS 450 vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2018 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.

2018 Lexus GS 450 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lincoln Continental$1,946-$542
2Cadillac CTS$2,010-$478
3Audi A5$2,090-$398
4Cadillac XTS$2,130-$358
5Cadillac CT6$2,156-$332
6Volvo S90$2,234-$254
7Lexus LS 500$2,318-$170
8Infiniti Q70$2,324-$164
9Acura RLX$2,364-$124
10Lexus LS 500H$2,408-$80
11Mercedes-Benz CLS550$2,464-$24
12Lexus GS 450$2,488--
13Infiniti Q60$2,536$48
14Mercedes-Benz C63 AMG$2,582$94
15Cadillac CTS-V$2,654$166
16Mercedes-Benz S450$2,680$192
17Jaguar XJ$2,692$204
18Genesis G90$2,700$212
2018 Large Luxury Car Average$2,783$295
19BMW 740e$2,804$316
20BMW 740i$2,824$336
21Mercedes-Benz S560$2,832$344
22BMW 650i$2,838$350
23Audi RS 7$2,940$452
24Mercedes-Benz E63 AMG$3,020$532
25Mercedes-Benz CLS63 AMG$3,046$558
26BMW 750i$3,054$566
27Maserati Ghibli$3,058$570
28Porsche Panamera$3,118$630
29Audi A8$3,148$660
30BMW Alpina B6$3,234$746
31Maserati Quattroporte$3,246$758
32Audi S8$3,346$858
33Mercedes-Benz AMG$3,372$884
34Mercedes-Benz AMG S63$3,438$950
35BMW M760i$3,668$1,180
36Mercedes-Benz S65 AMG$4,432$1,944

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.

2018 GS 450 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Lexus GS 450 Insurance Rates by Trim Level
2018 Lexus GS 450 Trim Level Annual Premium Cost Per Month
Hybrid Sedan$2,462$205
Hybrid F-Sport Sedan$2,516$210

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 2018 Lexus GS 450 for different driver ages.

2018 Lexus GS 450 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,920$743
17$8,665$722
18$7,803$650
19$7,079$590
20$5,424$452
21$5,171$431
22$4,630$386
23$3,771$314
24$3,573$298
25$2,898$242
30$2,656$221
35$2,554$213
40$2,488$207
45$2,320$193
50$2,196$183
55$2,052$171
60$2,060$172
65$2,200$183
70$2,372$198
75$2,792$233
80$3,450$288

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.