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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Average insurance prices for a Lexus GS 300 are $1,516 every 12 months with full coverage. Comprehensive costs around $376, collision costs $688, and liability insurance costs $316. A liability-only policy costs as little as $376 a year, with high-risk insurance costing around $3,276. 16-year-old drivers receive the highest rates at $5,386 a year or more.
Average premium for full coverage: $1,516
Rate estimates for individual coverage type:
Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all GS 300 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $376 for just liability coverage to the much higher price of $3,276 for a high-risk driver policy.
Price Range by Location
Your location has a significant impact on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.
The example below illustrates how location helps determine auto insurance rates.
These examples demonstrate why everyone should compare rates for a specific zip code and their own driving history, rather than relying 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.
Detailed Rate Analysis
The chart below details estimated Lexus GS 300 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $853
- Drivers who choose higher $1,000 deductibles will pay about $242 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,516
- Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,986
- High risk drivers with multiple tickets or accidents could pay at least $3,276 or more
- The cost to insure a teen driver for full coverage can be $5,386 a year
Insurance rates for a Lexus GS 300 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could save up to $720 each year, whereas buying more liability protection will increase rates. 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
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $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 at least $1,800 to $2,400 extra per year, depending on your age. Lexus GS 300 insurance for high-risk drivers can cost anywhere from 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 $1,090 a year in states like New Hampshire, Ohio, and Utah, or at least $2,050 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Every company utilizes a different rate formula, so the rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus GS 300 | $280 | $516 | $388 | $1,320 |
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 Cheaper Lexus GS 300 Insurance
Saving money on Lexus GS 300 insurance not only requires being a safe and courteous driver, but also having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a condensed summary of the information covered in the charts and tables above.
- You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date
- Teenage drivers pay higher rates, with premiums as much as $449 per month if they have full coverage
- Increasing deductibles could save as much as $700 each year
- High-risk drivers with multiple at-fault accidents pay on average $1,760 more every year for auto insurance
- Drivers who may need higher levels of liability will pay around $350 every year to go from a minimum limit to a 250/500 level
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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