Lexus GS 300 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 22, 2024
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Average insurance prices for a Lexus GS 300 are $1,516 every 12 months for full coverage. Comprehensive costs on average $376 each year, collision insurance costs $688, and liability is $316. A policy with just liability insurance costs around $376 a year, and coverage for high-risk drivers costs around $3,276. 16-year-old drivers receive the highest rates at up to $5,386 a year.
Average premium for full coverage: $1,516
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and GS 300 models.
Price Range by Coverage and Risk
For an average driver, prices range range from the cheapest price of $376 for your basic liability-only policy to a high rate of $3,276 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have more infrequent accident claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.
These examples show why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based 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.
More Rate Information
The chart below shows average Lexus GS 300 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $853
- Raising to $1,000 deductibles will save around $242 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,516
- Buying low deductibles increases the price to $1,986
- Drivers with multiple tickets or accidents could pay upwards of $3,276
- The cost to insure a 16-year-old driver may cost $5,386
Insurance rates for a Lexus GS 300 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your GS 300.
Opting for high physical damage deductibles can reduce rates by up to $720 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $285 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 133% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Lexus GS 300 insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Idaho, Maine, and Iowa, or at least $2,160 on average in Michigan, Louisiana, 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% |
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 the Best Cheap Lexus GS 300 Insurance
Saving money on insurance for a Lexus GS 300 consists of being a good driver, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Take the time to compare rates once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following list is a quick review of the data that was covered in the above illustrations.
- Drivers can save as much as $190 per year just by quoting online in advance
- Insureds who require an increased level of liability coverage will pay around $350 each year to raise from a minimum limit to a 250/500 level
- Drivers age 16 to 20 pay higher rates, costing as high as $449 per month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,760 more each year than a safer driver
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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