Lexus GS 350 Insurance Rates

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UPDATED: May 6, 2024

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The average insurance rates for a Lexus GS 350 are $1,320 a year with full coverage. Comprehensive costs on average $288 each year, collision insurance costs $506, and liability is estimated at $390. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs around $2,858. Teenage drivers cost the most to insure at up to $4,896 a year.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Comprehensive $288
Collision $506
Liability $390

Includes $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and GS 350 models.

Price Range Variability

For a driver in their 40's, Lexus GS 350 insurance rates range from the low end price of $438 for your basic liability-only policy to a high rate of $2,858 for a driver that may need high-risk insurance.

Liability Only $438
Full Coverage $1,320
High Risk $2,858

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

Rural Areas $990
Small Cities $1,386
Large Cities $1,782

The examples above demonstrate why all drivers should get quotes based on a specific location, instead of making a decision based on average rates.

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 details average Lexus GS 350 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $753
  • Choosing higher $1,000 deductibles can save around $182 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $1,320
  • Using low deductibles for comp and collision coverage bumps up the cost to $1,668
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,858
  • Policy cost that insures a 16-year-old driver may cost $4,896 each year

View Chart as Image

Lexus GS 350 insurance cost comparison chart
Column chart showing Lexus GS 350 insurance rates range from $753 to $4,896 for full coverage

Insurance rates for a Lexus GS 350 also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers ranges from 45% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus GS 350 insurance prices. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,780 on average in Florida, Michigan, and New York.

Lexus GS 350 Insurance Rates by State
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%

View Chart as Image

Lexus GS 350 insurance rates by U.S. city

Using high physical damage deductibles can save as much as $530 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Lexus GS 350 Insurance Rates by Model and Trim Level
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.

Lexus GS 350 Insurance Rates by Model Year
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 the Cheapest Lexus GS 350 Insurance

Finding cheaper rates on insurance for a Lexus GS 350 takes not taking risks behind the wheel, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices once a year by quoting rates from direct companies, and also from several local insurance agents.

The following is a recap of the data that was covered in the charts and tables above.

  • You may be able to save as much as $160 per year just by quoting online in advance
  • Insureds who require higher liability limits will pay an extra $430 every year to raise limits from a 30/60 limit to the 250/500 level
  • Teens pay higher rates, as much as $408 each month if comprehensive and collision insurance is included
  • Drivers considered higher risk that have major violations or accidents pay on average $1,540 more each year for GS 350 insurance

Rates by Driver Age

Lexus GS 350 Insurance 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

Lexus GS 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,668
$250 $1,508
$500 $1,320
$1,000 $1,138

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 350 Insurance Rates with Different Liability Limits
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

Lexus GS 350 Insurance 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.

SR-22 Surcharge $185

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
Rate after discounts $753

Discounts are estimated and may not be available from every company or in every state.

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