Lexus GS 300 Insurance Rates

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UPDATED: Apr 22, 2024

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The average insurance prices for a Lexus GS 300 are $1,516 every 12 months for full coverage. Comprehensive costs approximately $376 each year, collision costs $688, and liability is $316. Buying just liability costs around $376 a year, with insurance for high-risk drivers costing around $3,276. 16-year-old drivers cost the most to insure at $5,386 a year or more.

Average premium for full coverage: $1,516

Policy rates by type of insurance:

Comprehensive $376
Collision $688
Liability $316

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

Price Range Variability

Using a 40-year-old driver as an example, Lexus GS 300 insurance rates go from the cheapest price of $376 for the bare minimum 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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

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

The examples above show why all drivers should compare rates quotes using their specific location and their own driving history, instead of making a decision based on rate 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.

Additional Rate Information

The chart below shows estimated Lexus GS 300 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $853
  • Raising to $1,000 deductibles will save $242 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,516
  • Buying low deductibles increases the price to $1,986
  • Drivers with multiple tickets or accidents could pay around $3,276 or more
  • Policy cost to insure a 16-year-old driver can cost $5,386

View Chart as Image

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

Insurance rates for a Lexus GS 300 also range considerably based on liability limits and deductibles, your driver profile, and the model of your GS 300.

Opting for high physical damage deductibles can reduce rates by up to $720 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 133% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Lexus GS 300 insurance prices. A middle-age driver might find rates 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.

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

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates will be varied.

Lexus GS 300 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Lexus GS 300 $268 $464 $390 $1,258

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 Shop for the Best Cheap Lexus GS 300 Insurance

Finding cheaper rates on insurance for a Lexus GS 300 consists of being a good driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every policy renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a quick review of the data raised in the charts and tables above.

  • Insureds who purchase an increased level of liability coverage will pay around $350 each year to raise from a 30/60 limit to a 250/500 level
  • Drivers can save around $190 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $700 each year
  • Drivers age 16 to 20 are expensive to insure, costing up to $449 each month if they have full coverage

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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