Lexus GS 300 Insurance Rates

Average insurance prices for a Lexus GS 300 are $1,516 every 12 months for full coverage. Comprehensive insurance costs an estimated $376 each year, collision insurance costs $688, and liability coverage costs $316. A liability-only policy costs as little as $376 a year, and high-risk insurance costs $3,276 or more. 16-year-old drivers receive the highest rates at up to $5,386 a year.

Average premium for full coverage: $1,516

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and GS 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples show why all drivers should compare rates for a targeted area and their own driving history, rather than using rate averages.

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

Rates by State, City, and Model

The chart below shows average Lexus GS 300 insurance rates for other coverage scenarios.

• The best full coverage rate is $853
• Drivers who choose higher $1,000 deductibles will pay approximately $242 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,516
• Buying low deductibles for comprehensive and collision insurance costs an extra $470 each year
• High-risk insureds with multiple tickets or accidents could pay up to $3,276
• The cost to insure a teenage driver can cost as much as $5,386 a year

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Insurance rates for a Lexus GS 300 can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles could save up to $720 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $285 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,800 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers can cost around 45% to 133% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Lexus GS 300 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Iowa, Maine, and Idaho, or at least $2,160 on average in New York, Louisiana, and Michigan.

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How to Shop for Affordable Lexus GS 300 Insurance

Saving money on auto insurance not only requires being a good driver, but also having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to compare rates once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief review of the data that was covered above.

• Drivers can save approximately $190 per year just by quoting online in advance
• Consumers who want an increased level of liability coverage will pay around $350 each year to go from a minimum limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, costing as high as $449 per month if they have full coverage
• Drivers with DUI or reckless driving convictions pay on average $1,760 more annually than a safer driver