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 for full coverage insurance. Comprehensive costs on average $376 a year, collision costs $688, and liability insurance costs around $316. A policy with only liability insurance costs as low as $376 a year, with a high-risk policy costing around $3,276. Teen drivers pay the most at $5,386 a year or more.
Average premium for full coverage: $1,516
Premium estimates by type of coverage:
Prices include $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and GS 300 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Lexus GS 300 go from the low end price of $376 for a discount liability-only rate to a high of $3,276 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The diagram below illustrates how geographic area affects car insurance rates.
These rate differences illustrate why it is important to compare prices based on a specific location, rather than relying 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.
Rates by State, City, and Model
The chart below illustrates estimated Lexus GS 300 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $853
- Using higher $1,000 deductibles will save around $1,274 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,516
- Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,986
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,276 or more
- An auto insurance policy that insures a teen driver may cost $5,386 or more
Car insurance prices for a Lexus GS 300 also have a wide range based on the trim level of your GS 300, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,800 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 133% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 a year, 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 upwards of $5,300 a year. View Rates by Age
Where you choose to live has a huge impact on Lexus GS 300 insurance rates. A driver around age 40 might see prices as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,050 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles could cut prices by as much as $720 each year, while buying higher liability limits will cost you more. Switching 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
With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.
| 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 Right Lexus GS 300 Insurance
Finding better rates on Lexus GS 300 insurance requires having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at least once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The next list is a quick rundown of the primary concepts that were presented in the illustrations above.
- It is possible to save as much as $190 per year simply by quoting early and online
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,760 more each year to buy Lexus GS 300 insurance
- Increasing policy deductibles can save approximately $700 each year
- Drivers age 20 and younger are expensive to insure, with premiums being up to $449 per month if full coverage is purchased
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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