Lexus GS 300 Insurance Rates

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UPDATED: Apr 22, 2024

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Average insurance prices for a Lexus GS 300 are $1,516 every 12 months with full coverage. Comprehensive costs an estimated $376 a year, collision insurance costs $688, and liability insurance is estimated at $316. A liability-only policy costs approximately $376 a year, and high-risk insurance costs around $3,276. Teens 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:

Comprehensive $376
Collision $688
Liability $316

Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and GS 300 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $376 for just liability coverage to a high of $3,276 for a driver who requires high-risk insurance.

Liability Only $376
Full Coverage $1,516
High Risk $3,276

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

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

These examples demonstrate why it is important to get quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

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Detailed Rate Analysis

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

  • The cheapest rate after discounts is $853
  • Choosing higher $1,000 deductibles can save approximately $1,274 annually
  • The average price for a 40-year-old driver who has $500 deductibles is $1,516
  • Selecting low $100 deductibles for comp and collision coverage increases the price to $1,986
  • High-risk insureds with serious driving violations could pay up to $3,276
  • The cost to insure a teen driver can cost as much as $5,386 each year

View Chart as Image

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

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $720 each year, while buying higher liability limits will increase premiums. Moving 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

Older drivers with a clean driving record and higher deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher 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 may be forking out $1,800 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 133% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lexus GS 300 insurance rates. A good driver about age 40 could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,050 on average in New York, Michigan, and Florida.

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
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 Right Lexus GS 300 Insurance

Saving money on Lexus GS 300 insurance takes being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at every other renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a quick rundown of the concepts that were raised in the charts and tables above.

  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,760 more annually for auto insurance
  • Teenage drivers are charged the highest rates, with premiums as much as $449 per month if they have full coverage
  • You may be able to save approximately $190 per year just by quoting early and online
  • Increasing deductibles could save as much as $700 each year
  • You may be able to save approximately $190 per year just by quoting early and online

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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