Lexus GS 350 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 6, 2024
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Average insurance rates for a Lexus GS 350 are $1,320 a year for full coverage. Comprehensive costs approximately $288 a year, collision costs $506, and liability costs around $390. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing around $2,858. Teen drivers receive the highest rates at $4,896 a year or more.
Average premium for full coverage: $1,320
Rate estimates by individual coverage type:
Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and GS 350 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $438 for just liability coverage to a high of $2,858 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural locations tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates how where you live affects auto insurance prices.
These examples show why it is important to compare prices using their specific location and risk profile, instead of using price 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.
Detailed Rate Analysis
The chart below shows estimated Lexus GS 350 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $753
- Using higher $1,000 deductibles will save $1,138 a year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,320
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,668
- Drivers with multiple violations and an at-fault accident could pay around $2,858 or more
- The cost for full coverage for a teen driver can cost $4,896 or more
Car insurance rates for a Lexus GS 350 can also vary considerably based on your driver profile, the trim level of your GS 350, and physical damage deductibles and liability limits.
Older drivers with no driving violations 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 will be charged in the ballpark of $4,800 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 $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,880 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$128 | -9.7% |
| Alaska | $1,012 | -$308 | -23.3% |
| Arizona | $1,094 | -$226 | -17.1% |
| Arkansas | $1,320 | -$0 | 0.0% |
| California | $1,504 | $184 | 13.9% |
| Colorado | $1,258 | -$62 | -4.7% |
| Connecticut | $1,356 | $36 | 2.7% |
| Delaware | $1,492 | $172 | 13.0% |
| Florida | $1,648 | $328 | 24.8% |
| Georgia | $1,222 | -$98 | -7.4% |
| Hawaii | $948 | -$372 | -28.2% |
| Idaho | $894 | -$426 | -32.3% |
| Illinois | $982 | -$338 | -25.6% |
| Indiana | $996 | -$324 | -24.5% |
| Iowa | $890 | -$430 | -32.6% |
| Kansas | $1,254 | -$66 | -5.0% |
| Kentucky | $1,800 | $480 | 36.4% |
| Louisiana | $1,952 | $632 | 47.9% |
| Maine | $816 | -$504 | -38.2% |
| Maryland | $1,090 | -$230 | -17.4% |
| Massachusetts | $1,052 | -$268 | -20.3% |
| Michigan | $2,290 | $970 | 73.5% |
| Minnesota | $1,108 | -$212 | -16.1% |
| Mississippi | $1,580 | $260 | 19.7% |
| Missouri | $1,172 | -$148 | -11.2% |
| Montana | $1,418 | $98 | 7.4% |
| Nebraska | $1,038 | -$282 | -21.4% |
| Nevada | $1,582 | $262 | 19.8% |
| New Hampshire | $952 | -$368 | -27.9% |
| New Jersey | $1,474 | $154 | 11.7% |
| New Mexico | $1,168 | -$152 | -11.5% |
| New York | $1,390 | $70 | 5.3% |
| North Carolina | $762 | -$558 | -42.3% |
| North Dakota | $1,082 | -$238 | -18.0% |
| Ohio | $908 | -$412 | -31.2% |
| Oklahoma | $1,354 | $34 | 2.6% |
| Oregon | $1,210 | -$110 | -8.3% |
| Pennsylvania | $1,256 | -$64 | -4.8% |
| Rhode Island | $1,760 | $440 | 33.3% |
| South Carolina | $1,196 | -$124 | -9.4% |
| South Dakota | $1,112 | -$208 | -15.8% |
| Tennessee | $1,154 | -$166 | -12.6% |
| Texas | $1,590 | $270 | 20.5% |
| Utah | $978 | -$342 | -25.9% |
| Vermont | $902 | -$418 | -31.7% |
| Virginia | $790 | -$530 | -40.2% |
| Washington | $1,018 | -$302 | -22.9% |
| West Virginia | $1,210 | -$110 | -8.3% |
| Wisconsin | $912 | -$408 | -30.9% |
| Wyoming | $1,174 | -$146 | -11.1% |
Choosing high deductibles could cut rates by as much as $530 every year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 135% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes can be significantly 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 | $1,288 | $107 |
| Lexus GS 350 AWD | $1,320 | $110 |
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 | $326 | $646 | $376 | $1,484 |
| 2019 Lexus GS 350 | $312 | $598 | $384 | $1,430 |
| 2018 Lexus GS 350 | $300 | $564 | $388 | $1,388 |
| 2017 Lexus GS 350 | $288 | $506 | $390 | $1,320 |
| 2016 Lexus GS 350 | $270 | $466 | $390 | $1,262 |
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 Low Cost Lexus GS 350 Insurance
Saving money on car insurance requires having a good driving record, having above-average credit, eliminating unneeded coverage, and avoiding coverage lapses. Take the time to comparison shop every other policy renewal by requesting quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.
The next list is a review of the ideas that were touched on in the above illustrations.
- Drivers age 20 and younger pay the highest auto insurance rates, costing as high as $408 per month if full coverage is included
- Higher risk drivers who have several accidents or serious violations may pay on average $1,540 more per year to buy Lexus GS 350 insurance
- Increasing deductibles can save around $525 each year
- Drivers can save around $160 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,896 |
| 20 | $3,038 |
| 30 | $1,378 |
| 40 | $1,320 |
| 50 | $1,206 |
| 60 | $1,184 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,668 |
| $250 | $1,508 |
| $500 | $1,320 |
| $1,000 | $1,138 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,320 |
| 50/100 | $1,398 |
| 100/300 | $1,496 |
| 250/500 | $1,749 |
| 100 CSL | $1,437 |
| 300 CSL | $1,652 |
| 500 CSL | $1,808 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,000 |
| 20 | $4,840 |
| 30 | $2,924 |
| 40 | $2,858 |
| 50 | $2,728 |
| 60 | $2,702 |
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 | $71 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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