Lexus GS 300 Insurance Rates

U.S. average auto insurance rates for a Lexus GS 300 are $1,516 annually for full coverage insurance. Comprehensive insurance costs around $376, collision insurance costs $688, and liability insurance costs $316. Liability-only coverage costs as little as $376 a year, and high-risk coverage costs $3,276 or more. 16-year-old drivers pay the highest rates at up to $5,386 a year.

Average premium for full coverage: $1,516

Price estimates for individual coverage:

Prices are based on $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all GS 300 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population have fewer physical damage claims than congested cities. The example below illustrates how your location can change auto insurance rates.

The ranges above illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $853
• Drivers who choose higher $1,000 deductibles will pay about $242 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,516
• Buying pricier low deductibles for comprehensive and collision insurance costs an additional $470 a year
• High risk drivers with multiple tickets or accidents could pay at least $3,276
• The price with full coverage for a teen driver for full coverage can be $5,386 a year

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Auto insurance prices for a Lexus GS 300 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,800 to $2,400 in extra premium each year, depending on your age. Lexus GS 300 insurance for high-risk drivers can cost anywhere from 45% to 133% more than the average rate. View High Risk Driver Rates

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

The state you live in makes a big difference in Lexus GS 300 insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,050 on average in Michigan, New York, and Florida.

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How to Buy Affordable Lexus GS 300 Insurance

Getting lower rates on Lexus GS 300 insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief review of the primary concepts that were illustrated above.

• It is possible to save up to $190 per year just by quoting online well ahead of the renewal date
• High-risk drivers with DUI or reckless driving convictions pay on average $1,760 more every year for GS 300 insurance
• Increasing physical damage deductibles could save up to $700 each year
• Teens are expensive to insure, as much as $449 a month if full coverage is included