Lexus GS 300 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 22, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Lexus GS 300 are $1,516 a year for full coverage. Comprehensive insurance costs around $376, collision costs $688, and liability coverage costs around $316. A policy with only liability insurance costs as low as $376 a year, with a high-risk policy costing $3,276 or more. 16-year-old drivers pay the most at $5,386 a year or more.

Average premium for full coverage: $1,516

Premium estimates for type of coverage:

Comprehensive $376
Collision $688
Liability $316

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all GS 300 models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Lexus GS 300 go from the low end price of $376 for minimum levels of liability insurance to the much higher price of $3,276 for a policy for a high-risk driver.

Liability Only $376
Full Coverage $1,516
High Risk $3,276

Insurance Price Range by Location

Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than congested cities.

The example below illustrates how where you live affects auto insurance rates.

Rural Areas $1,137
Small Cities $1,592
Large Cities $2,047

These rate differences show why everyone should compare prices for a specific zip code, rather than 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 Details

The chart below shows estimated Lexus GS 300 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $853
  • Using higher $1,000 deductibles will save about $242 a year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,516
  • Buying pricier low deductibles for physical damage coverage will cost an additional $470 each year
  • Higher-risk drivers with multiple tickets or accidents could pay at least $3,276 or more
  • An auto insurance policy that insures a teenage driver for full coverage can be $5,386 or more

View Chart as Image

Lexus GS 300 insurance cost comparison chart
Column chart showing full coverage Lexus GS 300 insurance prices range from $853 to $5,386

Car insurance prices for a Lexus GS 300 also have a wide range based on the model of your GS 300, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,800 to $2,400 extra annually, depending on your age. Lexus GS 300 insurance for high-risk drivers can be around 45% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus GS 300 insurance rates. A driver around age 40 might see prices 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.

Lexus GS 300 Insurance Rates by State
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%

View Chart as Image

Lexus GS 300 insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $720 a year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $285 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know your exact price is to regularly compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different.

Lexus GS 300 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Lexus GS 300 $292 $548 $384 $1,360

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 More Affordable Lexus GS 300 Insurance

Finding better rates on auto insurance requires being safe and accident-free, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Comparison shop every year by getting rate quotes from direct carriers, and also from several local insurance agents.

Below you'll find a summary of the coverage data touched on in the above illustrations.

  • Drivers can save up to $190 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $700 each year
  • Youthful drivers are the costliest to insure, as much as $449 per month if full coverage is purchased
  • Drivers who have multiple accidents or major violations pay on average $1,760 more every year than a low-risk driver

Rates by Driver Age

Lexus GS 300 Insurance 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

Lexus GS 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,986
$250 $1,766
$500 $1,516
$1,000 $1,274

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 300 Insurance Rates with Different Liability Limits
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

Lexus GS 300 Insurance 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.

SR-22 Surcharge $213

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
Rate after discounts $853

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles