Lexus GS 350 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 6, 2024
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.
U.S. average insurance rates for a Lexus GS 350 are $1,388 a year including full coverage. Comprehensive insurance costs on average $300, collision costs $564, and liability insurance costs $388. Buying just liability costs as little as $434 a year, with insurance for high-risk drivers costing $3,014 or more. 16-year-old drivers pay the highest rates at $5,122 a year or more.
Average premium for full coverage: $1,388
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all GS 350 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Lexus GS 350 insurance prices go from as low as $434 for basic liability insurance to the much higher price of $3,014 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates how rural and urban location affects car insurance rates.
The ranges above highlight why everyone should compare rates based on a specific location and risk profile, rather than relying on 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.
Rate Comparisons
The chart below breaks down estimated Lexus GS 350 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $785
- Drivers who choose higher $1,000 deductibles will pay around $196 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,388
- Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $382 a year
- High risk drivers with multiple tickets or accidents could pay upwards of $3,014 or more
- The price for full coverage for a teen driver for full coverage may cost $5,122 a year
Insurance prices for a Lexus GS 350 are also quite variable based on your driving record, the model of your GS 350, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age
The state you live in makes a big difference in Lexus GS 350 insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,980 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,254 | -$134 | -9.7% |
| Alaska | $1,062 | -$326 | -23.5% |
| Arizona | $1,152 | -$236 | -17.0% |
| Arkansas | $1,388 | -$0 | 0.0% |
| California | $1,580 | $192 | 13.8% |
| Colorado | $1,322 | -$66 | -4.8% |
| Connecticut | $1,424 | $36 | 2.6% |
| Delaware | $1,568 | $180 | 13.0% |
| Florida | $1,732 | $344 | 24.8% |
| Georgia | $1,282 | -$106 | -7.6% |
| Hawaii | $996 | -$392 | -28.2% |
| Idaho | $940 | -$448 | -32.3% |
| Illinois | $1,032 | -$356 | -25.6% |
| Indiana | $1,046 | -$342 | -24.6% |
| Iowa | $934 | -$454 | -32.7% |
| Kansas | $1,318 | -$70 | -5.0% |
| Kentucky | $1,892 | $504 | 36.3% |
| Louisiana | $2,052 | $664 | 47.8% |
| Maine | $856 | -$532 | -38.3% |
| Maryland | $1,146 | -$242 | -17.4% |
| Massachusetts | $1,106 | -$282 | -20.3% |
| Michigan | $2,408 | $1,020 | 73.5% |
| Minnesota | $1,162 | -$226 | -16.3% |
| Mississippi | $1,662 | $274 | 19.7% |
| Missouri | $1,230 | -$158 | -11.4% |
| Montana | $1,488 | $100 | 7.2% |
| Nebraska | $1,092 | -$296 | -21.3% |
| Nevada | $1,662 | $274 | 19.7% |
| New Hampshire | $1,000 | -$388 | -28.0% |
| New Jersey | $1,550 | $162 | 11.7% |
| New Mexico | $1,226 | -$162 | -11.7% |
| New York | $1,460 | $72 | 5.2% |
| North Carolina | $796 | -$592 | -42.7% |
| North Dakota | $1,136 | -$252 | -18.2% |
| Ohio | $958 | -$430 | -31.0% |
| Oklahoma | $1,422 | $34 | 2.4% |
| Oregon | $1,270 | -$118 | -8.5% |
| Pennsylvania | $1,322 | -$66 | -4.8% |
| Rhode Island | $1,848 | $460 | 33.1% |
| South Carolina | $1,256 | -$132 | -9.5% |
| South Dakota | $1,170 | -$218 | -15.7% |
| Tennessee | $1,212 | -$176 | -12.7% |
| Texas | $1,672 | $284 | 20.5% |
| Utah | $1,026 | -$362 | -26.1% |
| Vermont | $948 | -$440 | -31.7% |
| Virginia | $830 | -$558 | -40.2% |
| Washington | $1,070 | -$318 | -22.9% |
| West Virginia | $1,272 | -$116 | -8.4% |
| Wisconsin | $958 | -$430 | -31.0% |
| Wyoming | $1,234 | -$154 | -11.1% |
Opting for high physical damage deductibles could save up to $580 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,300 additional each year, depending on your age. Lexus GS 350 insurance for high-risk drivers can cost anywhere from 45% to 137% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every company utilizes a different rate formula, and prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus GS 350 | $1,354 | $113 |
| Lexus GS 350 AWD | $1,388 | $116 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS 350 | $344 | $668 | $364 | $1,512 |
| 2019 Lexus GS 350 | $326 | $646 | $376 | $1,484 |
| 2018 Lexus GS 350 | $312 | $598 | $384 | $1,430 |
| 2017 Lexus GS 350 | $300 | $564 | $388 | $1,388 |
| 2016 Lexus GS 350 | $288 | $506 | $390 | $1,320 |
Rates are averaged for all Lexus GS 350 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 the Best Lexus GS 350 Insurance
Getting lower rates on Lexus GS 350 insurance not only requires having a decent driving record, but also having a good credit history, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a brief recap of the data that was raised in the charts and tables above.
- You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Drivers who require additional liability coverage will pay around $430 per year to go from a low limit to 250/500 limits
- 16 to 18-year-old drivers pay higher prices, possibly costing $427 a month including comprehensive and collision insurance
- High-risk drivers who tend to receive serious violations may pay on average $1,630 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,122 |
| 20 | $3,206 |
| 30 | $1,450 |
| 40 | $1,388 |
| 50 | $1,266 |
| 60 | $1,244 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,770 |
| $250 | $1,594 |
| $500 | $1,388 |
| $1,000 | $1,192 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,388 |
| 50/100 | $1,466 |
| 100/300 | $1,563 |
| 250/500 | $1,815 |
| 100 CSL | $1,504 |
| 300 CSL | $1,718 |
| 500 CSL | $1,873 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,336 |
| 20 | $5,112 |
| 30 | $3,084 |
| 40 | $3,014 |
| 50 | $2,872 |
| 60 | $2,848 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $74 |
| Homeowner | $20 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $66 |
| Advance Quote | $71 |
| Online Quote | $100 |
| Total Discounts | $603 |
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
Secured with SHA-256 Encryption
