Lexus GS 350 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 6, 2024

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U.S. average insurance prices for a Lexus GS 350 are $1,388 every 12 months including full coverage. Comprehensive costs on average $300 each year, collision costs $564, and liability is estimated at $388. Liability-only insurance costs approximately $434 a year, with high-risk driver insurance costing around $3,014. Teen drivers pay the highest rates at $5,122 a year or more.

Average premium for full coverage: $1,388

Price estimates by individual coverage:

Comprehensive $300
Collision $564
Liability $388

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and GS 350 models.

Price Range from Low to High

For an average driver, Lexus GS 350 insurance prices go from the cheapest price of $434 for minimum levels of liability insurance to a high rate of $3,014 for coverage for higher-risk drivers.

Liability Only $434
Full Coverage $1,388
High Risk $3,014

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,041
Small Cities $1,457
Large Cities $1,874

The ranges above highlight why all drivers should get quotes based on a specific location and their own driving history, instead of making a decision based on 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 Rate Details

The chart below breaks down estimated Lexus GS 350 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $785
  • Choosing higher $1,000 deductibles can save around $196 every year
  • The average price for the average middle-age driver with $500 deductibles is $1,388
  • Choosing low deductibles for comp and collision coverage increases the price to $1,770
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,014 or more
  • The price to insure a 16-year-old driver may cost $5,122 each year

View Chart as Image

Lexus GS 350 insurance cost comparison chart
Column chart showing full coverage Lexus GS 350 insurance rates range from $785 to $5,122

Car insurance prices for a Lexus GS 350 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your GS 350.

Choosing high deductibles can save as much as $580 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers ranges from 45% to 137% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Lexus GS 350 insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,980 on average in Michigan, New York, and Louisiana.

Lexus GS 350 Insurance Rates by State
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%

View Chart as Image

Lexus GS 350 insurance rates by U.S. city

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes may be quite different.

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 $1,354 $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.

Lexus GS 350 Insurance Rates by Model Year
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 Shop for Cheaper Lexus GS 350 Insurance

Getting lower rates on insurance for a Lexus GS 350 takes avoiding accidents and claims, maintaining a good credit score, being claim-free, and maximizing policy discounts. Take the time to compare rates at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a condensed summary of the primary concepts that were covered in the above illustrations.

  • You may be able to save as much as $170 per year simply by quoting online in advance
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,630 more each year to insure a Lexus GS 350
  • Increasing physical damage deductibles could save as much as $575 each year
  • Drivers under the age of 20 are expensive to insure, possibly costing $427 a month if the policy includes full coverage

Rates by Driver Age

Lexus GS 350 Insurance 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

Lexus GS 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,770
$250 $1,594
$500 $1,388
$1,000 $1,192

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 350 Insurance Rates with Different Liability Limits
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

Lexus GS 350 Insurance 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.

SR-22 Surcharge $197

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
Rate after discounts $785

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

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