Lexus GS 350 Insurance Rates
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UPDATED: May 6, 2024
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The average auto insurance rates for a Lexus GS 350 are $1,388 annually for full coverage. Comprehensive insurance costs approximately $300 each year, collision insurance costs $564, and liability is $388. Buying just liability costs around $434 a year, and insurance for high-risk drivers costs $3,014 or more. Teen drivers cost the most to insure at up to $5,122 a year.
Average premium for full coverage: $1,388
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and GS 350 models.
Price Range Variability
For a driver around age 40, Lexus GS 350 insurance rates range from as cheap as $434 for liability-only coverage to a high rate of $3,014 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above show why all drivers should compare rates quotes using their specific location and their own personal driving habits, 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.
Additional Charts and Tables
The chart below shows average Lexus GS 350 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $785
- Raising to $1,000 deductibles will save $196 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,388
- Choosing low deductibles costs an additional $382 every year
- At-risk drivers with multiple violations and an at-fault accident could pay around $3,014
- Policy cost with full coverage for a teen driver can cost $5,122
Insurance rates for a Lexus GS 350 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $580 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Lexus GS 350 insurance prices. A middle-age driver might find rates as low as $910 a year in states like Iowa, Maine, and Idaho, or as much as $1,980 on average in New York, Louisiana, and Michigan.
| 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% |
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 Buy More Affordable Lexus GS 350 Insurance
Finding cheaper rates on car insurance consists of being a good driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a summary of the material that was covered above.
- Policyholders who purchase an increased level of liability coverage will pay about $430 each year to raise from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, costing up to $427 each month including comprehensive and collision insurance
- Higher risk drivers who have multiple accidents or major violations pay on average $1,630 more per year than a safer driver
- Increasing comprehensive and collision deductibles could save up to $575 each year
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.
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