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 $1,388 a year for full coverage. Comprehensive insurance costs on average $300, collision insurance costs $564, and liability is $388. Liability-only coverage costs around $434 a year, and high-risk coverage costs $3,014 or more. Teens 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:
Estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different GS 350 trim levels.
Price Range Variability
For the normal driver, Lexus GS 350 insurance rates range from the low end price of $434 for minimum levels of liability insurance to a much higher rate of $3,014 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects car insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of using averaged prices.
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 shows average Lexus GS 350 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $785
- Raising to $1,000 deductibles will save around $196 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,388
- Selecting more expensive low deductibles will cost an additional $382 every year
- At-risk drivers with serious driving violations could pay upwards of $3,014
- Policy cost that insures a teen driver with full coverage may cost $5,122
Insurance rates for a Lexus GS 350 also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 137% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average, or $108 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 $5,100 a year. View Rates by Age
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 Idaho, Maine, and Iowa, or have to pay at least $1,980 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit
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 Find Low Cost Lexus GS 350 Insurance
Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare rates at least once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.
The following is a review of the primary concepts that were presented in the illustrations above.
- Drivers can save as much as $170 per year just by shopping early and online
- Higher risk drivers who have several accidents or serious violations may pay on average $1,630 more each year for GS 350 insurance
- Increasing comprehensive and collision deductibles can save approximately $575 each year
- Teens pay higher rates, costing up to $427 each month if comprehensive and collision insurance is included
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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