Lexus GS 300 Insurance Rates
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Michelle Robbins
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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 auto insurance rates for a Lexus GS 300 are $1,516 annually with full coverage. Comprehensive insurance costs around $376 a year, collision costs $688, and liability costs around $316. A liability-only policy costs as low as $376 a year, with high-risk insurance costing $3,276 or more. Teenage drivers receive the highest rates at $5,386 a year or more.
Average premium for full coverage: $1,516
Rate estimates for individual coverage type:
Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and GS 300 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $376 for the bare minimum liability coverage to a high of $3,276 for high-risk insurance.
Price Range by Location
Where you live can make a big difference on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities.
The diagram below illustrates how geographic area affects auto insurance rates.
These examples demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.
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 Information
The chart below details estimated Lexus GS 300 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $853
- Using higher $1,000 deductibles will save about $1,274 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,516
- Using low $100 deductibles for physical damage coverage costs an additional $470 annually
- High-risk insureds who are prone to accidents and violations could pay at least $3,276 or more
- The cost with full coverage for a 16-year-old driver can be $5,386 or more
Insurance rates for a Lexus GS 300 can also vary considerably based on the trim level of your GS 300, your driving record, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,800 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can be from 45% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $720 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $285 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Lexus GS 300 insurance prices. A driver around age 40 might see rates as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $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% |
With so much variability in rates, the best way to find out your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so the rates can be significantly different between companies.
| 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 Buy More Affordable Lexus GS 300 Insurance
Saving money on insurance for a Lexus GS 300 requires being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates every couple of years by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a summary of the material that was presented in the illustrations above.
- Insureds who may need higher levels of liability will pay an extra $350 every year to increase from a minimum limit to higher 250/500 limits
- Teenage drivers pay higher rates, with premiums as much as $449 per month including comprehensive and collision insurance
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,760 more every year for auto insurance
- Increasing deductibles could save up to $700 each year
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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