Lexus GS 300 Insurance Rates
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Michelle Robbins
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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 including full coverage. Comprehensive costs an estimated $376, collision costs $688, and liability is estimated at $316. A liability-only policy costs approximately $376 a year, with high-risk insurance costing around $3,276. Teens cost the most to insure at $5,386 a year or more.
Average premium for full coverage: $1,516
Policy rates broken down by type of insurance:
Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different GS 300 trim levels.
Price Range Variability
For the average 40-year-old driver, Lexus GS 300 insurance rates go from as low as $376 for basic liability insurance to a much higher rate of $3,276 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on insurance prices.
The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of using averaged prices.
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.
Rate Comparisons
The chart below breaks down estimated Lexus GS 300 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $853
- Choosing higher $1,000 deductibles can save approximately $242 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,516
- Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,986
- Unlucky drivers with serious driving violations could pay up to $3,276 or more
- Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,386 each year
Car insurance rates for a Lexus GS 300 also range considerably based on your risk profile, the model of your GS 300, and liability limits and deductibles.
An older driver with no driving violations and high deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,300 a year. View Rates by Age
Your home state plays a big part in determining prices for Lexus GS 300 insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,160 on average in Louisiana, New York, and Michigan.
| 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 higher comprehensive and collision insurance deductibles can save as much as $720 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $285 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,800 to $2,400 extra every year, depending on your age. High-risk driver insurance ranges as much as 45% to 133% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes 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 Cheapest Lexus GS 300 Insurance
Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Make time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a recap of the data touched on in this article.
- Policyholders who want more liability protection will pay approximately $350 per year to raise limits from a 30/60 limit to 250/500 limits
- You may be able to save approximately $190 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $700 each year
- Youthful drivers have the highest car insurance rates, with premiums being up to $449 each month if full coverage is included
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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