Lexus GS 350 Insurance Rates

Average insurance rates for a Lexus GS 350 are $1,262 a year including full coverage. Comprehensive insurance costs approximately $270 a year, collision costs $466, and liability costs around $390. A liability-only policy costs as low as $438 a year, with high-risk insurance costing $2,728 or more. 16-year-old drivers receive the highest rates at $4,708 a year or more.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and GS 350 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine auto insurance prices.

These examples highlight why it is important to compare prices using their specific location and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

The chart below breaks down estimated Lexus GS 350 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $725
• Using higher $1,000 deductibles will save $1,092 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,262
• Buying low $100 deductibles for physical damage coverage will cost an extra $320 every year
• Drivers with multiple tickets or accidents could pay around $2,728 or more
• The cost for full coverage for a teen driver can cost $4,708 or more

View Chart as Image

Insurance rates for a Lexus GS 350 can also vary considerably based on your driver profile, the model of your GS 350, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live has a huge impact on Lexus GS 350 insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,800 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $490 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 133% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Each insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Lexus GS 350 Insurance

Saving money on car insurance requires avoiding accidents and violations, maintaining good credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting rates from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The list below is a brief recap of the information covered in the charts and tables above.

• You may be able to save around $150 per year simply by quoting early and online
• Teenagers are expensive to insure, as much as $392 per month for full coverage
• Increasing deductibles can save around $500 each year
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,470 more per year for car insurance
• Policyholders who purchase higher liability limits will pay around $430 per year to increase from a minimum limit to 250/500 limits