Lexus GS 300 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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 rates for a Lexus GS 300 are $1,516 a year with full coverage. Comprehensive insurance costs approximately $376, collision costs $688, and liability coverage costs $316. Buying just liability costs as little as $376 a year, with insurance for high-risk drivers costing $3,276 or more. Teen drivers receive the highest rates at $5,386 a year or more.
Average premium for full coverage: $1,516
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different GS 300 trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $376 for just liability insurance to a much higher rate of $3,276 for a driver who requires high-risk insurance.
Price Range by Location
Your location has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location, rather than using price 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.
More Rate Details
The chart below details estimated Lexus GS 300 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $853
- Drivers who choose higher $1,000 deductibles will pay $242 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,516
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $470 each year
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,276 or more
- The cost that insures a teenage driver with full coverage can cost $5,386 a year
Auto insurance rates for a Lexus GS 300 can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,800 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance can cost around 45% to 133% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age
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 Utah, Ohio, and New Hampshire, or as much as $2,050 on average in New York, Michigan, 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% |
Choosing high deductibles could save up to $720 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $285 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Every company uses a different rate calculation, and quoted rates can be significantly different.
| 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 Cheaper Lexus GS 300 Insurance
Saving money on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Shop around at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following items are a condensed summary of the concepts that were covered above.
- Drivers with multiple at-fault accidents may have to pay on average $1,760 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers have the highest car insurance rates, with premiums as much as $449 per month if the policy includes full coverage
- You may be able to save around $190 per year simply by shopping early and online
- Increasing deductibles can save approximately $700 each year
- You may be able to save around $190 per year simply by shopping early and online
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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