Lexus GS 350 Insurance Rates

Estimated insurance prices for a Lexus GS 350 are $1,262 every 12 months including full coverage. Comprehensive costs around $270, collision insurance costs $466, and liability insurance is estimated at $390. A liability-only policy costs approximately $438 a year, and high-risk insurance costs around $2,728. Teen drivers pay the most at up to $4,708 a year.

Average premium for full coverage: $1,262

Premium estimates for type of coverage:

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different GS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below breaks down average Lexus GS 350 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $725
• Choosing higher $1,000 deductibles can save about $170 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,262
• Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,582
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,728
• An auto insurance policy to insure a teen driver with full coverage can be $4,708 each year

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Auto insurance prices for a Lexus GS 350 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles can save as much as $490 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance ranges anywhere from 45% to 133% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus GS 350 insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,800 on average in Michigan, New York, and Louisiana.

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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 Shop for the Best Cheap Lexus GS 350 Insurance

Finding better rates on Lexus GS 350 insurance takes having a good driving record, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Invest time comparing rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a quick review of the information covered in the charts and tables above.

• You may be able to save up to $150 per year just by shopping early and online
• Drivers age 20 and younger are expensive to insure, with the cost nearing $392 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $500 each year
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,470 more every year to buy Lexus GS 350 insurance
• Drivers who may need increased levels of liability coverage will pay about $430 per year to raise limits from 30/60 bodily injury limits to a 250/500 level