Lexus GS 300 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 22, 2024
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Average insurance rates for a Lexus GS 300 are $1,516 a year including full coverage. Comprehensive insurance costs on average $376 each year, collision costs $688, and liability insurance costs $316. Buying just liability costs as little as $376 a year, with insurance for high-risk drivers costing $3,276 or more. Teenage drivers receive the highest rates at $5,386 a year or more.
Average premium for full coverage: $1,516
Rate estimates by individual coverage type:
Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and GS 300 models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $376 for a discount liability-only rate to a high rate of $3,276 for a high-risk driver policy.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than densely populated cities.
The graphic below illustrates how geographic area affects car insurance rates.
These examples highlight why all drivers should compare rates based on a specific location and risk profile, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below breaks down estimated Lexus GS 300 insurance rates for different risk profiles and scenarios.
- The best discount rate is $853
- Drivers who choose higher $1,000 deductibles will pay around $242 every year
- The average rate for a 40-year-old driver with $500 deductibles is $1,516
- Using low deductibles for comprehensive and collision insurance will cost an extra $470 a year
- High risk drivers who are prone to accidents and violations could pay upwards of $3,276 or more
- The cost for full coverage for a teen driver may cost $5,386 a year
Auto insurance rates for a Lexus GS 300 can also vary considerably based on your driver profile, the model of your GS 300, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $5,300 a year. View Rates by Age
Where you live makes a big difference in Lexus GS 300 insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,160 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,370 | -$146 | -9.6% |
| Alaska | $1,162 | -$354 | -23.4% |
| Arizona | $1,256 | -$260 | -17.2% |
| Arkansas | $1,516 | -$0 | 0.0% |
| California | $1,728 | $212 | 14.0% |
| Colorado | $1,446 | -$70 | -4.6% |
| Connecticut | $1,556 | $40 | 2.6% |
| Delaware | $1,714 | $198 | 13.1% |
| Florida | $1,894 | $378 | 24.9% |
| Georgia | $1,400 | -$116 | -7.7% |
| Hawaii | $1,090 | -$426 | -28.1% |
| Idaho | $1,026 | -$490 | -32.3% |
| Illinois | $1,128 | -$388 | -25.6% |
| Indiana | $1,142 | -$374 | -24.7% |
| Iowa | $1,022 | -$494 | -32.6% |
| Kansas | $1,438 | -$78 | -5.1% |
| Kentucky | $2,068 | $552 | 36.4% |
| Louisiana | $2,244 | $728 | 48.0% |
| Maine | $936 | -$580 | -38.3% |
| Maryland | $1,252 | -$264 | -17.4% |
| Massachusetts | $1,208 | -$308 | -20.3% |
| Michigan | $2,632 | $1,116 | 73.6% |
| Minnesota | $1,270 | -$246 | -16.2% |
| Mississippi | $1,816 | $300 | 19.8% |
| Missouri | $1,344 | -$172 | -11.3% |
| Montana | $1,626 | $110 | 7.3% |
| Nebraska | $1,194 | -$322 | -21.2% |
| Nevada | $1,818 | $302 | 19.9% |
| New Hampshire | $1,094 | -$422 | -27.8% |
| New Jersey | $1,694 | $178 | 11.7% |
| New Mexico | $1,340 | -$176 | -11.6% |
| New York | $1,596 | $80 | 5.3% |
| North Carolina | $872 | -$644 | -42.5% |
| North Dakota | $1,242 | -$274 | -18.1% |
| Ohio | $1,044 | -$472 | -31.1% |
| Oklahoma | $1,554 | $38 | 2.5% |
| Oregon | $1,388 | -$128 | -8.4% |
| Pennsylvania | $1,444 | -$72 | -4.7% |
| Rhode Island | $2,020 | $504 | 33.2% |
| South Carolina | $1,372 | -$144 | -9.5% |
| South Dakota | $1,280 | -$236 | -15.6% |
| Tennessee | $1,326 | -$190 | -12.5% |
| Texas | $1,828 | $312 | 20.6% |
| Utah | $1,120 | -$396 | -26.1% |
| Vermont | $1,036 | -$480 | -31.7% |
| Virginia | $908 | -$608 | -40.1% |
| Washington | $1,168 | -$348 | -23.0% |
| West Virginia | $1,390 | -$126 | -8.3% |
| Wisconsin | $1,048 | -$468 | -30.9% |
| Wyoming | $1,350 | -$166 | -10.9% |
Using high physical damage deductibles could save up to $720 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $285 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 133% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus GS 300 | $268 | $464 | $390 | $1,258 |
Rates are averaged for all Lexus GS 300 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Lexus GS 300 Insurance
Saving money on Lexus GS 300 insurance not only requires having a good driving record, but also having good credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by requesting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The next list is a condensed summary of the information presented in the illustrations above.
- You may be able to save as much as $190 per year simply by quoting online in advance
- Drivers age 20 and younger are charged the highest rates, as much as $449 per month if they have full coverage
- Increasing deductibles can save around $700 each year
- High-risk drivers with multiple at-fault accidents may pay on average $1,760 more each year to buy Lexus GS 300 insurance
- Drivers who require increased levels of liability coverage will pay an extra $350 per year to go from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,386 |
| 20 | $3,486 |
| 30 | $1,602 |
| 40 | $1,516 |
| 50 | $1,380 |
| 60 | $1,356 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,986 |
| $250 | $1,766 |
| $500 | $1,516 |
| $1,000 | $1,274 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,516 |
| 50/100 | $1,579 |
| 100/300 | $1,658 |
| 250/500 | $1,864 |
| 100 CSL | $1,611 |
| 300 CSL | $1,785 |
| 500 CSL | $1,911 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,740 |
| 20 | $5,544 |
| 30 | $3,368 |
| 40 | $3,276 |
| 50 | $3,118 |
| 60 | $3,090 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $83 |
| Multi-vehicle | $77 |
| Homeowner | $20 |
| 5-yr Accident Free | $120 |
| 5-yr Claim Free | $99 |
| Paid in Full/EFT | $76 |
| Advance Quote | $78 |
| Online Quote | $110 |
| Total Discounts | $663 |
Discounts are estimated and may not be available from every company or in every state.
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