Lexus GS 300 Insurance Rates

U.S. average insurance rates for a Lexus GS 300 are $1,516 a year with full coverage. Comprehensive insurance costs on average $376 each year, collision insurance costs $688, and liability insurance costs around $316. A policy with just liability insurance costs as low as $376 a year, and coverage for high-risk drivers costs $3,276 or more. Teens pay the highest rates at up to $5,386 a year.

Average premium for full coverage: $1,516

Price estimates by individual coverage:

Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and GS 300 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change car insurance rates.

The ranges above demonstrate why all drivers should compare prices based on a specific location, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details average Lexus GS 300 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $853
• Using higher $1,000 deductibles will save around $242 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,516
• Selecting low deductibles for physical damage coverage will cost an additional $470 a year
• Drivers with serious driving violations could pay upwards of $3,276
• The price that insures a teen driver may cost $5,386 or more

View Chart as Image

Insurance prices for a Lexus GS 300 are also quite variable based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lexus GS 300 insurance rates. A driver around age 40 might see prices as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,050 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $720 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $285 more per year. View Rates by Deductible or Liability Limit

How to Find the Right Lexus GS 300 Insurance

Getting lower rates on Lexus GS 300 insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Compare rates every other policy renewal by getting rate quotes from direct companies, and also from several local insurance agents.

The following is a quick rundown of the ideas that were illustrated above.

• Teens pay the highest prices, costing up to $449 a month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions pay on average $1,760 more each year for GS 300 insurance
• Increasing physical damage deductibles can save approximately $700 each year
• You may be able to save as much as $190 per year just by quoting online in advance