Lexus GS 450 Insurance Made Easy: 2025 Rates, Tips and Savings

How much does Lexus GS 450 car insurance cost? We break down average insurance rates for the GS 450 Hybrid and Hybrid F-Sport trim levels to see how insurance costs compare to the large luxury car segment.

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  • Lexus GS 450 insurance rates average $2,488 per year, or $1,244 for a semi-annual policy, but can vary based on deductibles and limits.
  • The cheapest GS 450 model to insure is the Hybrid Sedan at around $2,462 per year, with the Hybrid F-Sport Sedan being slightly higher at $2,516 annually.
  • The Lexus GS 450 is one of the cheaper 2018 model year large luxury cars to insure, costing $295 less per year on average when compared to other large luxury cars.

How much does Lexus GS 450 car insurance cost?

Ranked 12th out of 36 vehicles in the 2018 large luxury car class, Lexus GS 450 insurance costs an average of $2,488 annually for full coverage, or $207 each month. With the average large luxury car costing $2,783 a year to insure, the Lexus GS 450 may save around $295 or more each year.

The rate chart below shows average car insurance cost for a Lexus GS 450 using a variety of different risk scenarios and driver age groups.

Average 2018 Lexus GS 450 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2018 Lexus GS 450 insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2018 model year Lexus GS 450 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lexus GS 450 trim levels.

2018 Lexus GS 450 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,756$480
Safe Driver Age 20$5,056$421
At-fault Accidents Age 40$3,530$294
Low Deductibles Age 40$3,286$274
Safe Driver Age 30$2,656$221
Safe Driver Age 40$2,488$207
Safe Driver Age 50$2,196$183
High Deductibles Age 40$2,080$173
Discount Rate Age 40$2,064$172
Safe Driver Age 60$2,060$172

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2018 Lexus GS 450 trim levels. Updated June 27, 2025

The following table breaks down average Lexus GS 450 car insurance rates for the 2013 to 2018 model years.

Lexus GS 450 Insurance Cost for 2013-2018 Models
Model Year and Vehicle Annual Premium Cost Per Month
2018 Lexus GS 450$2,488$207
2017 Lexus GS 450$2,388$199
2016 Lexus GS 450$2,218$185
2015 Lexus GS 450$2,096$175
2014 Lexus GS 450$1,972$164
2013 Lexus GS 450$1,912$159

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 Lexus GS 450 trim levels for each model year. Updated June 26, 2025

Average annual premium and cost per month to insure 2013 to 2018 Lexus GS 450 models
Average annual premium and cost per month to insure 2013 to 2018 Lexus GS 450 models

The table below shows the average insurance rates for annual and semi-annual policies, plus a monthly budget figure, for each Lexus GS 450 model trim level.

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. Updated June 27, 2025

Insurance cost by trim level for a 2018 Lexus GS 450 ranging from the Hybrid Sedan model at $2,462 per year to the Hybrid F-Sport Sedan model at $2,516
Insurance cost by trim level for a 2018 Lexus GS 450 ranging from the Hybrid Sedan model at $2,462 per year to the Hybrid F-Sport Sedan model at $2,516

Where do Lexus GS 450 insurance prices rank?

The Lexus GS 450 ranks 12th out of 36 comparison vehicles in the 2018 model year large luxury car segment for car insurance affordability. The GS 450 costs an average of $2,488 per year to insure for full coverage and the class median rate is $2,783 annually, a difference of $295 per year.

When compared directly to other full-size luxury sedans, car insurance rates for a Lexus GS 450 cost $398 more per year than the Audi A5, $336 less than the BMW 740i, and $358 more than the Cadillac XTS.

The chart below shows how GS 450 insurance rates compare to the top 10 selling large luxury cars in the U.S. like the Audi A8, Infiniti Q60, and the Porsche Panamera. A more comprehensive data table is included following the chart that ranks insurance rate affordability for the entire 36 vehicle large luxury car segment.

Average 2018 Lexus GS 450 car insurance premium compared to other large luxury car models.
Figure 2: Average 2018 Lexus GS 450 car insurance premium compared to other large luxury car models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2018 model year Lexus GS 450. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Lexus GS 450 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Lexus GS 450 Insurance Cost Compared to All Large Luxury Cars
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
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 vehicle from the 2018 model year. Updated June 26, 2025

Additional rates and insights

Some other relevant observations about Lexus GS 450 insurance rates include:

  • The cost to insure teenage drivers is high. Average rates for full coverage GS 450 insurance costs $8,920 per year for a 16-year-old driver, insurance cost for a 17-year-old averages $8,665 per year,  18-year-old car insurance rates average $7,803 per year, and car insurance for a 19-year-old costs an average of $7,079 per year.
  • Cheaper rates come with better credit scores. Having a credit score over 800 could save $391 per year versus a credit rating of 670-739. Conversely, a subpar credit score could cost around $453 more per year.
  • Age and gender affect car insurance rates. For a 2018 Lexus GS 450, a 20-year-old man will have an average rate of $5,056 per year, while a 20-year-old woman will pay an average of $3,606, a difference of $1,450 per year. The females get much better rates. But by age 50, the cost for a male driver is $2,196 and the cost for female drivers is $2,142, a difference of only $54.
  • Auto insurance is cheaper with higher deductibles. Increasing your deductibles from $500 to $1,000 could save around $408 per year for a 40-year-old driver and $806 per year for a 20-year-old driver.
  • Low physical damage deductibles increases cost. Lowering the comprehensive and collision deductibles from $500 to $250 could cost an additional $426 per year for a 40-year-old driver and $856 per year for a 20-year-old driver.
  • Get better rates due to your job. Most auto insurance providers offer discounts for specific occupations like accountants, nurses, lawyers, high school and elementary teachers, dentists, firefighters, and others. Qualifying for an occupational discount could save between $75 and $193 on your insurance premium, depending on the age of the rated driver.
  • More mature drivers get better rates than young drivers. The difference in 2018 GS 450 insurance rates between a 50-year-old driver ($2,196 per year) and a 20-year-old driver ($5,056 per year) is $2,860, or a savings of 78.9%.
  • Policy discounts equal cheaper GS 450 insurance rates. Discounts may be available if the insureds belong to certain professional organizations, work in certain occupations, choose electronic billing, are homeowners, are good students, or many other discounts which could save the average driver as much as $424 per year.