Lexus GS 350 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance prices for a Lexus GS 350 are $1,320 every 12 months for full coverage insurance. Comprehensive insurance costs on average $288 a year, collision costs $506, and liability is $390. Liability-only coverage costs around $438 a year, with high-risk coverage costing $2,858 or more. 16-year-old drivers cost the most to insure at $4,896 a year or more.
Average premium for full coverage: $1,320
Policy rates by type of insurance:
Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and GS 350 trim levels.
Price Range Variability
Using a middle-aged driver as an example, Lexus GS 350 insurance rates go from the cheapest price of $438 for the bare minimum liability coverage to a high of $2,858 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities.
The diagram below illustrates how where you live affects car insurance rates.
The examples above illustrate why it is important to compare rates quotes based on a specific location 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.
Additional Rate Information
The chart below illustrates estimated Lexus GS 350 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $753
- Raising to $1,000 deductibles will save around $1,138 each year
- The average price for a good driver age 40 with $500 deductibles is $1,320
- Buying low $100 deductibles costs an extra $348 annually
- Drivers with multiple tickets or accidents could pay upwards of $2,858 or more
- Policy cost to insure a 16-year-old driver may cost $4,896
Insurance rates for a Lexus GS 350 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your GS 350.
Opting for high physical damage deductibles can reduce rates by up to $530 annually, while buying higher liability limits will cost you more. Switching 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
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $4,800 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 probably paying at a minimum $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 135% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Lexus GS 350 insurance prices. A middle-age driver might find rates as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,780 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and rates will be varied.
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 Shop for Low Cost Lexus GS 350 Insurance
Finding cheaper rates on insurance for a Lexus GS 350 consists of being a low-risk driver, having above-average credit, being claim-free, and insuring your home and auto with the same company. Take the time to comparison shop every year by getting rate quotes from direct insurance companies, and also from several local insurance agents.
The items below are a review of the coverage data touched on in the above illustrations.
- It is possible to save as much as $160 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $525 each year
- Teen drivers pay higher rates, possibly costing $408 each month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,540 more each year to insure their GS 350
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
