Lexus GS 350 Insurance Rates
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UPDATED: May 6, 2024
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Average auto insurance rates for a Lexus GS 350 are $1,320 annually with full coverage. Comprehensive costs on average $288, collision costs $506, and liability costs $390. A policy with just liability insurance costs as little as $438 a year, with coverage for high-risk drivers costing around $2,858. 16-year-old 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:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for different GS 350 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $438 for the bare minimum liability coverage to a much higher rate of $2,858 for a driver required to buy high-risk insurance.
Price Range by Location
Your location can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than congested cities.
The price range example below illustrates how location impacts car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, 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.
Additional Rate Information
The chart below details estimated Lexus GS 350 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $753
- Drivers who choose higher $1,000 deductibles will pay around $182 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,320
- Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,668
- Drivers with multiple tickets or accidents could pay upwards of $2,858 or more
- The cost with full coverage for a 16-year-old driver with full coverage may cost $4,896 a year
Insurance rates for a Lexus GS 350 can also vary considerably based on the trim level of your GS 350, your driving record, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance can cost from 45% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $530 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Lexus GS 350 insurance prices. A 40-year-old driver could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,780 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out exactly what you will pay is to compare rates from multiple companies. Every company utilizes a different rate formula, and rates can be significantly different between companies.
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 Buy More Affordable Lexus GS 350 Insurance
Saving money on insurance for a Lexus GS 350 not only requires avoiding accidents and violations, but also having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The list below is a summary of the data touched on above.
- Insureds who require higher liability limits will pay around $430 every year to go from a minimum limit to higher 250/500 limits
- You may be able to save as much as $160 per year simply by shopping early and online
- Increasing deductibles could save up to $525 each year
- Teenagers pay higher rates, with premiums as much as $408 per month if they have full coverage
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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