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...
Licensed Insurance Agent
UPDATED: Apr 22, 2024
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Estimated insurance prices for a Lexus GS 300 are $1,516 every 12 months with full coverage. Comprehensive insurance costs on average $376 a year, collision insurance costs $688, and liability costs $316. A liability-only policy costs as little as $376 a year, and high-risk insurance costs $3,276 or more. 16-year-old drivers pay the most at up to $5,386 a year.
Average premium for full coverage: $1,516
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and GS 300 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Lexus GS 300 range from the cheapest price of $376 for just the minimum liability insurance to a high of $3,276 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than congested cities. The diagram below illustrates how rural and urban location affects car insurance rates.
These rate differences demonstrate why it is important to compare rates based on a specific location and their own driving history, instead of using 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.
Additional Rate Analysis
The chart below details average Lexus GS 300 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $853
- Drivers who choose higher $1,000 deductibles will pay around $1,274 annually
- The average price for a 40-year-old good driver with $500 deductibles is $1,516
- Buying low $100 deductibles for comprehensive and collision insurance costs an extra $470 every year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,276
- An auto insurance policy to insure a teen driver may cost $5,386 a year
Auto insurance prices for a Lexus GS 300 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your GS 300.
Opting for high physical damage deductibles could save up to $720 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $285 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,800 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 133% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Lexus GS 300 insurance prices. 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% |
| 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 Best Lexus GS 300 Insurance
Finding better rates on car insurance not only requires avoiding accidents and claims, but also having a good credit score, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by quoting rates from direct companies, and also from local exclusive and independent agents.
The points below are a brief recap of the car insurance concepts raised in the charts and tables above.
- Higher risk drivers who tend to receive serious violations may pay on average $1,760 more each year to insure a Lexus GS 300
- You may be able to save as much as $190 per year just by quoting early and online
- Increasing policy deductibles could save as much as $700 each year
- Policyholders who require increased liability limits will pay around $350 every year to go from 30/60 bodily injury limits 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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