Lexus GS-300 Insurance Rates

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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: Feb 7, 2020

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How much does insurance cost for a Lexus GS 300? Average Lexus GS 300 insurance rates are $123 per month or $1,474 annually. Many factors are used to help calculate your Lexus GS insurance costs. 

For example, the 2000 Lexus GS 300 price for insurance will be lower than the 2003 Lexus GS 300, which will also be lower than a 2007 Lexus GS 350 insurance cost.  

Read our comprehensive guide to better understand how the Lexus GS insurance costs are calculated, and how you can secure cheap car insurance rates.  

Immediately find savings for your Lexus G 300 insurance by entering your ZIP code into our FREE quote comparison tool. You’ll get affordable car insurance quotes from top auto insurance companies.

Comparing auto insurance through online rate quotes is easy, plus you will probably save money. The key is to get rates from as many companies as possible in order to have every company's rates.

Beginners to buying insurance may think finding cut-rate Lexus GS-300 insurance is going to be difficult. Finding a better price on auto insurance can be surprisingly simple. The only thing you need to do is spend a few minutes comparing rates from different insurance companies. This can be done by comparing rates here.

Insurance rates for your Lexus GS-300 can fluctuate considerably based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating impacts rates
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your GS-300
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Home ownership saves money

One last important factor that can impact the rate you pay on your Lexus GS-300 is the year of manufacture. Used vehicles have a lower value so the payout to repair will push premiums down. Although new GS-300 models may have options included like a backup camera, lane departure warning system, and traction control which may lower rates.

Auto liability

damage or injury you incur to claims like pain and suffering, repair costs for stationary objects, and legal defense fees. .

Collision coverage

a stationary object or other vehicle. . , . .

Comprehensive auto insurance

from a wide range of events other than collision. . your auto insurance company will pay , .

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage . , . .

Medical payments and PIP coverage

immediate expenses EMT expenses, pain medications, and nursing services. . .

We’ve talked all about Lexus car insurance costs. It’s time to score better than average insurance for the Lexus GS 350 by using our FREE quote comparison tool below.

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What are the safety ratings for the Lexus GS 300?

The cheapest Lexus to insure will be safe and reliable. Therefore, looking at the Lexus GS 300 safety ratings is a great way to find out what discounts you qualify for, and what may be costing you more money.

Check out the safety ratings below.

  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good

The rating of Good is the highest possible score given by the Insurance Institute for Highway Safety. You’ll see some savings on car insurance for your Lexus GS 300 thanks to these stellar safety ratings. 

For those wondering is Lexus discontinuing the GS, the answer is yes. After 2020, the model will no longer be updated. Remember, when answering the question of how much does insurance cost for a Lexus, insurance companies also factor in the cost of maintenance. 

Because this is a luxury line of vehicles that is soon to be discontinued, expect your rates to slightly increase.

Lexus GS 300 Compared Against other Vehicles in the Same Class

Officially, the Insurance Institute for Highway Safety classifies the Lexus GS 300 as a large luxury vehicle.

Comparing the Lexus GS 300 to similar vehicles can help you save money, especially if the Lexus GS 300 has a better loss ratio than other midsize sedans. 

Asking simply are Nissans more expensive to insure than Lexus’s can be misleading because each company features so many different car-types. Similarly, asking is insurance expensive on a Chrysler 300 compared to this Lexus model is also misleading because they are not in the same vehicle class. 

You’ll run into the same issue if you compare Lexus GS F insurance rates to Lexus ES insurance costs. Insurance cost for a Lexus RX 350 will also be different because it is a midsize SUV, not a large luxury four-door sedan like the GS 300.

Check out actually comparable vehicles below.

This car type has substantially worse than average collision and comprehensive insurance loss ratios at 235 percent and 156 percent respectively. As a result, you’ll definitely see some rate increases. 

When it comes to Lexus vs Toyota insurance costs, remember that Lexus is a luxury line. Oppositely, Toyota’s generic line is focused on economy vehicles. 

Is a Lexus more expensive to insure than other luxury brands? Fortunately, not always. You can secure competitive rates for this type of car.

Keep in mind that the Lexus GS 350 maintenance cost will likely be expensive, but only you can say which is better, the Lexus IS or GS.

It’s time to stop asking is insurance higher on a Lexus and start comparison shopping for affordable rates. Enter your five-digit ZIP code into our FREE quote comparison tool to get the best Lexus GS 300 insurance rates.

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