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 on average $376 each year, collision insurance costs $688, and liability is $316. A policy with just liability insurance costs around $376 a year, and coverage for high-risk drivers 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 by individual coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and GS 300 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

The ranges above highlight why all drivers should compare rates quotes based on a specific location, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $853
• Raising to $1,000 deductibles will save around $242 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,516
• Using low deductibles will cost an additional $470 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $3,276
• The price that insures a teen driver may cost $5,386

View Chart as Image

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

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

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,300 a year. View Rates by Age

The state you live in also has a big influence on Lexus GS 300 insurance prices. 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 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $285 more per year. View Rates by Deductible or Liability Limit

How to Find the Right Lexus GS 300 Insurance

Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and determing if full coverage is necessary. Compare prices every year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a quick rundown of the coverage data presented in the illustrations above.

• You may be able to save as much as $190 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $700 each year
• Teenagers pay the highest prices, possibly costing $449 a month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,760 more each year for car insurance