Lexus GS 350 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 6, 2024
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The average insurance prices for a Lexus GS 350 are $1,262 every 12 months including full coverage. Comprehensive costs an estimated $270 each year, collision insurance costs $466, and liability costs $390. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs around $2,728. 16-year-old drivers cost the most to insure at up to $4,708 a year.
Average premium for full coverage: $1,262
Policy rates broken down by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and GS 350 models.
Price Range Variability
For a 40-year-old driver, Lexus GS 350 insurance rates range from the cheapest price of $438 for your basic liability-only policy to a high rate of $2,728 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change insurance prices.
The examples above highlight why all drivers should compare rates for a targeted area and their own driving history, instead of making a decision based 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.
More Rate Information
The chart below breaks down average Lexus GS 350 insurance rates for other coverage scenarios.
- The best full coverage rate is $725
- Drivers who choose higher $1,000 deductibles will pay approximately $170 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,262
- Buying low deductibles for comprehensive and collision insurance increases the price to $1,582
- Drivers with multiple tickets or accidents could pay up to $2,728
- Policy cost to insure a 16-year-old driver can cost as much as $4,708 a year
Insurance rates for a Lexus GS 350 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles could save up to $490 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 133% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in Lexus GS 350 insurance prices. A 40-year-old driver could pay 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,140 | -$122 | -9.7% |
| Alaska | $966 | -$296 | -23.5% |
| Arizona | $1,046 | -$216 | -17.1% |
| Arkansas | $1,262 | -$0 | 0.0% |
| California | $1,436 | $174 | 13.8% |
| Colorado | $1,204 | -$58 | -4.6% |
| Connecticut | $1,294 | $32 | 2.5% |
| Delaware | $1,424 | $162 | 12.8% |
| Florida | $1,574 | $312 | 24.7% |
| Georgia | $1,166 | -$96 | -7.6% |
| Hawaii | $906 | -$356 | -28.2% |
| Idaho | $852 | -$410 | -32.5% |
| Illinois | $938 | -$324 | -25.7% |
| Indiana | $948 | -$314 | -24.9% |
| Iowa | $850 | -$412 | -32.6% |
| Kansas | $1,198 | -$64 | -5.1% |
| Kentucky | $1,720 | $458 | 36.3% |
| Louisiana | $1,864 | $602 | 47.7% |
| Maine | $778 | -$484 | -38.4% |
| Maryland | $1,040 | -$222 | -17.6% |
| Massachusetts | $1,006 | -$256 | -20.3% |
| Michigan | $2,188 | $926 | 73.4% |
| Minnesota | $1,058 | -$204 | -16.2% |
| Mississippi | $1,508 | $246 | 19.5% |
| Missouri | $1,118 | -$144 | -11.4% |
| Montana | $1,354 | $92 | 7.3% |
| Nebraska | $992 | -$270 | -21.4% |
| Nevada | $1,510 | $248 | 19.7% |
| New Hampshire | $910 | -$352 | -27.9% |
| New Jersey | $1,408 | $146 | 11.6% |
| New Mexico | $1,114 | -$148 | -11.7% |
| New York | $1,328 | $66 | 5.2% |
| North Carolina | $726 | -$536 | -42.5% |
| North Dakota | $1,032 | -$230 | -18.2% |
| Ohio | $868 | -$394 | -31.2% |
| Oklahoma | $1,294 | $32 | 2.5% |
| Oregon | $1,154 | -$108 | -8.6% |
| Pennsylvania | $1,200 | -$62 | -4.9% |
| Rhode Island | $1,680 | $418 | 33.1% |
| South Carolina | $1,144 | -$118 | -9.4% |
| South Dakota | $1,064 | -$198 | -15.7% |
| Tennessee | $1,102 | -$160 | -12.7% |
| Texas | $1,518 | $256 | 20.3% |
| Utah | $934 | -$328 | -26.0% |
| Vermont | $862 | -$400 | -31.7% |
| Virginia | $754 | -$508 | -40.3% |
| Washington | $972 | -$290 | -23.0% |
| West Virginia | $1,154 | -$108 | -8.6% |
| Wisconsin | $870 | -$392 | -31.1% |
| Wyoming | $1,122 | -$140 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus GS 350 | $1,232 | $103 |
| Lexus GS 350 AWD | $1,262 | $105 |
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 | $312 | $598 | $384 | $1,430 |
| 2019 Lexus GS 350 | $300 | $564 | $388 | $1,388 |
| 2018 Lexus GS 350 | $288 | $506 | $390 | $1,320 |
| 2017 Lexus GS 350 | $270 | $466 | $390 | $1,262 |
| 2016 Lexus GS 350 | $260 | $436 | $394 | $1,226 |
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 Shop for Affordable Lexus GS 350 Insurance
Finding cheaper rates on insurance for a Lexus GS 350 not only requires avoiding accidents and violations, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.
The list below is a brief review of the data that was illustrated above.
- You may be able to save approximately $150 per year just by quoting online in advance
- Insureds who want higher liability limits will pay around $430 per year to go from a 30/60 limit to a 250/500 level
- Teenagers are expensive to insure, with premiums being up to $392 each month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,470 more annually for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,708 |
| 20 | $2,898 |
| 30 | $1,314 |
| 40 | $1,262 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,582 |
| $250 | $1,434 |
| $500 | $1,262 |
| $1,000 | $1,092 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,262 |
| 50/100 | $1,340 |
| 100/300 | $1,438 |
| 250/500 | $1,691 |
| 100 CSL | $1,379 |
| 300 CSL | $1,594 |
| 500 CSL | $1,750 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,722 |
| 20 | $4,618 |
| 30 | $2,788 |
| 40 | $2,728 |
| 50 | $2,602 |
| 60 | $2,576 |
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 | $68 |
| Multi-vehicle | $67 |
| Homeowner | $19 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $57 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $537 |
Discounts are estimated and may not be available from every company or in every state.
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