Lexus GS 300 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 22, 2024
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The average insurance rates for a Lexus GS 300 are $1,516 a year for full coverage insurance. Comprehensive insurance costs around $376, collision costs $688, and liability is $316. Liability-only insurance costs around $376 a year, with high-risk driver insurance costing $3,276 or more. Teenage drivers cost the most to insure at $5,386 a year or more.
Average premium for full coverage: $1,516
Policy rates for type of insurance:
Rates are based on $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different GS 300 trim levels.
Price Range Variability
For the average driver, Lexus GS 300 insurance rates go from as low as $376 for the bare minimum liability coverage to a much higher rate of $3,276 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.
The price range example below illustrates how location impacts auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on average rates.
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 illustrates estimated 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 each year
- The average rate for a good driver age 40 using $500 deductibles is $1,516
- Using more expensive low deductibles will cost an extra $470 annually
- Drivers who are prone to accidents and violations could pay at least $3,276 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage can be $5,386
Auto insurance rates for a Lexus GS 300 also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age
Your home state also has a big influence on Lexus GS 300 insurance prices. A middle-age driver might find rates as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay 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% |
Using high physical damage deductibles can reduce rates by up to $720 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $285 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,800 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 133% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.
| 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 Find the Best Cheap Lexus GS 300 Insurance
Finding cheaper rates on insurance for a Lexus GS 300 consists of having a good driving record, having good credit, being claim-free, and maximizing policy discounts. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a quick review of the material that was touched on above.
- Insureds who may need increased levels of liability coverage will pay an extra $350 annually to raise from a 30/60 limit to 250/500 limits
- Drivers age 20 and younger are expensive to insure, possibly costing $449 each month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,760 more every year to buy Lexus GS 300 insurance
- Increasing comprehensive and collision deductibles can save around $700 each year
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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