Lexus GS 300 Insurance Rates

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UPDATED: Apr 22, 2024

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Estimated insurance rates for a Lexus GS 300 are $1,516 a year including full coverage. Comprehensive costs approximately $376 each year, collision insurance costs $688, and liability costs $316. A policy with only liability insurance costs as little as $376 a year, and a high-risk policy costs around $3,276. Teen drivers pay the most at up to $5,386 a year.

Average premium for full coverage: $1,516

Premium estimates by type of coverage:

Comprehensive $376
Collision $688
Liability $316

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and GS 300 models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Lexus GS 300 range from the low end price of $376 for just liability coverage to a high rate of $3,276 for a driver required to buy high-risk insurance.

Liability Only $376
Full Coverage $1,516
High Risk $3,276

Insurance Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,137
Small Cities $1,592
Large Cities $2,047

These rate differences highlight why all drivers should compare rates using their specific location, instead of making a decision based on price averages.

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.

Detailed Rate Analysis

The chart below breaks down average Lexus GS 300 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $853
  • Drivers who choose higher $1,000 deductibles will pay $242 every year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,516
  • Choosing low deductibles for comprehensive and collision insurance bumps up the cost to $1,986
  • Drivers with multiple violations and an at-fault accident could pay around $3,276
  • An auto insurance policy that insures a 16-year-old driver can cost $5,386 a year

View Chart as Image

Lexus GS 300 insurance cost comparison chart
Column chart showing Lexus GS 300 insurance rates range from $853 to $5,386 for full coverage

Car insurance prices for a Lexus GS 300 also have a wide range based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,800 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers can cost from 45% to 133% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus GS 300 insurance prices. A 40-year-old driver could pay as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,160 on average in Louisiana, New York, and Michigan.

Lexus GS 300 Insurance Rates by State
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%

View Chart as Image

Lexus GS 300 insurance rates by U.S. city

Choosing high deductibles could save up to $720 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $285 extra every 12 months. View Rates by Deductible or Liability Limit

Lexus GS 300 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Lexus GS 300 $280 $516 $388 $1,320

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 the Best Lexus GS 300 Insurance

Finding better rates on insurance for a Lexus GS 300 not only requires avoiding accidents and violations, but also having a positive credit history, refrain from filing small claims, and attention to physical damage deductibles. Shop around at every policy renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The list below is a brief recap of the data presented in the illustrations above.

  • Insureds who purchase higher liability limits will pay about $350 per year to go from 30/60 bodily injury limits to the 250/500 level
  • You may be able to save around $190 per year just by quoting online in advance
  • Increasing policy deductibles can save approximately $700 each year
  • Teenagers pay the highest auto insurance prices, with the cost nearing $449 per month if full coverage is purchased

Rates by Driver Age

Lexus GS 300 Insurance 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

Lexus GS 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,986
$250 $1,766
$500 $1,516
$1,000 $1,274

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 300 Insurance Rates with Different Liability Limits
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

Lexus GS 300 Insurance 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.

SR-22 Surcharge $213

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
Rate after discounts $853

Discounts are estimated and may not be available from every company or in every state.

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