Lexus GS 300 Insurance Rates

U.S. average insurance rates for a Lexus GS 300 are $1,516 a year including full coverage. Comprehensive insurance costs around $376, collision insurance costs $688, and liability coverage is $316. Liability-only insurance costs around $376 a year, and high-risk driver insurance costs $3,276 or more. Teenage drivers pay the highest rates at up to $5,386 a year.

Average premium for full coverage: $1,516

Price estimates for individual coverage:

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different GS 300 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down average Lexus GS 300 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $853
• Raising to $1,000 deductibles will save about $242 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,516
• Using more expensive low deductibles will cost an additional $470 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $3,276
• The price that insures a teenage driver with full coverage can be $5,386

View Chart as Image

Car insurance prices for a Lexus GS 300 are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,800 to $2,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

The state you live in also has a big influence on Lexus GS 300 insurance rates. A middle-age driver might find prices 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.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $720 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Low Cost Lexus GS 300 Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, having a positive credit history, being claim-free, and consideration of higher deductibles. Compare prices every other policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following is a review of the ideas that were covered in the charts and tables above.

• Teens are the costliest to insure, possibly costing $449 a month if full coverage is purchased
• Drivers who have several accidents or serious violations may have to pay on average $1,760 more every year for GS 300 insurance
• Increasing physical damage deductibles can save approximately $700 each year
• You may be able to save up to $190 per year just by shopping early and online