Lexus GS F Insurance Rates
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UPDATED: Apr 25, 2024
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U.S. average insurance rates for a Lexus GS F are $1,738 a year with full coverage. Comprehensive costs an estimated $372 a year, collision costs $752, and liability coverage costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $3,790. 16-year-old drivers pay the highest rates at $6,400 a year or more.
Average premium for full coverage: $1,738
Price estimates broken down by individual coverage:
Prices are based on $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and GS F trim levels.
Price Range from Low to High
For an average driver, Lexus GS F insurance prices go from the low end price of $508 for a discount liability-only rate to a high of $3,790 for a high-risk driver policy.
Geographic Price Range
Where you live has a large influence on car insurance rates. More rural locations have lower incidents of collision claims than congested cities.
The diagram below illustrates the effect of geographic area on insurance prices.
The ranges above demonstrate why it is important to compare prices for a targeted area, rather than using 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.
Rates by State, City, and Model
The chart below details estimated Lexus GS F insurance rates for other coverage scenarios.
- The best full coverage rate is $973
- Using higher $1,000 deductibles will save approximately $1,482 annually
- The estimated price for the average middle-age driver who has $500 deductibles is $1,738
- Buying low $100 deductibles for physical damage coverage bumps up the cost to $2,236
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,790 or more
- The price that insures a teenage driver can cost as much as $6,400 or more
Car insurance prices for a Lexus GS F are also quite variable based on the trim level of your GS F, your age and driving habits, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you may be forking out $2,100 to $2,800 extra each year, depending on your age. A high-risk auto insurance policy can be around 44% to 135% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,600 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $6,400 a year. View Rates by Age
The state you live in has a huge impact on Lexus GS F insurance rates. A driver around age 40 might see prices as low as $1,250 a year in states like Utah, Ohio, and New Hampshire, or at least $2,340 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,570 | -$168 | -9.7% |
| Alaska | $1,334 | -$404 | -23.2% |
| Arizona | $1,442 | -$296 | -17.0% |
| Arkansas | $1,738 | -$0 | 0.0% |
| California | $1,980 | $242 | 13.9% |
| Colorado | $1,662 | -$76 | -4.4% |
| Connecticut | $1,786 | $48 | 2.8% |
| Delaware | $1,966 | $228 | 13.1% |
| Florida | $2,172 | $434 | 25.0% |
| Georgia | $1,604 | -$134 | -7.7% |
| Hawaii | $1,248 | -$490 | -28.2% |
| Idaho | $1,174 | -$564 | -32.5% |
| Illinois | $1,296 | -$442 | -25.4% |
| Indiana | $1,308 | -$430 | -24.7% |
| Iowa | $1,174 | -$564 | -32.5% |
| Kansas | $1,652 | -$86 | -4.9% |
| Kentucky | $2,370 | $632 | 36.4% |
| Louisiana | $2,570 | $832 | 47.9% |
| Maine | $1,074 | -$664 | -38.2% |
| Maryland | $1,432 | -$306 | -17.6% |
| Massachusetts | $1,390 | -$348 | -20.0% |
| Michigan | $3,018 | $1,280 | 73.6% |
| Minnesota | $1,454 | -$284 | -16.3% |
| Mississippi | $2,082 | $344 | 19.8% |
| Missouri | $1,540 | -$198 | -11.4% |
| Montana | $1,868 | $130 | 7.5% |
| Nebraska | $1,368 | -$370 | -21.3% |
| Nevada | $2,082 | $344 | 19.8% |
| New Hampshire | $1,252 | -$486 | -28.0% |
| New Jersey | $1,942 | $204 | 11.7% |
| New Mexico | $1,540 | -$198 | -11.4% |
| New York | $1,830 | $92 | 5.3% |
| North Carolina | $1,000 | -$738 | -42.5% |
| North Dakota | $1,420 | -$318 | -18.3% |
| Ohio | $1,198 | -$540 | -31.1% |
| Oklahoma | $1,784 | $46 | 2.6% |
| Oregon | $1,590 | -$148 | -8.5% |
| Pennsylvania | $1,656 | -$82 | -4.7% |
| Rhode Island | $2,318 | $580 | 33.4% |
| South Carolina | $1,572 | -$166 | -9.6% |
| South Dakota | $1,466 | -$272 | -15.7% |
| Tennessee | $1,522 | -$216 | -12.4% |
| Texas | $2,092 | $354 | 20.4% |
| Utah | $1,288 | -$450 | -25.9% |
| Vermont | $1,190 | -$548 | -31.5% |
| Virginia | $1,040 | -$698 | -40.2% |
| Washington | $1,342 | -$396 | -22.8% |
| West Virginia | $1,590 | -$148 | -8.5% |
| Wisconsin | $1,204 | -$534 | -30.7% |
| Wyoming | $1,548 | -$190 | -10.9% |
Opting for high physical damage deductibles could cut prices by as much as $760 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS F | $402 | $860 | $442 | $1,862 |
| 2019 Lexus GS F | $388 | $798 | $452 | $1,796 |
| 2018 Lexus GS F | $372 | $752 | $456 | $1,738 |
| 2017 Lexus GS F | $356 | $674 | $460 | $1,648 |
Rates are averaged for all Lexus GS F 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 Affordable Lexus GS F Insurance
Getting lower rates on auto insurance requires not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and not having any coverage lapses. Comparison shop every time your policy renews by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The following is a brief review of the information covered in the above illustrations.
- You may be able to save approximately $220 per year simply by quoting early and online
- Teens have the highest car insurance prices, costing up to $533 a month if full coverage is purchased
- Increasing physical damage deductibles can save approximately $750 each year
- Drivers with DUI or reckless driving convictions could be forced to pay on average $2,050 more annually for GS F insurance
- Consumers who want higher liability limits will pay around $500 every year to increase from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,400 |
| 20 | $4,042 |
| 30 | $1,820 |
| 40 | $1,738 |
| 50 | $1,584 |
| 60 | $1,556 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,236 |
| $250 | $2,004 |
| $500 | $1,738 |
| $1,000 | $1,482 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,738 |
| 50/100 | $1,829 |
| 100/300 | $1,943 |
| 250/500 | $2,240 |
| 100 CSL | $1,875 |
| 300 CSL | $2,126 |
| 500 CSL | $2,308 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,182 |
| 20 | $6,448 |
| 30 | $3,884 |
| 40 | $3,790 |
| 50 | $3,620 |
| 60 | $3,590 |
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 | $95 |
| Multi-vehicle | $93 |
| Homeowner | $25 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $115 |
| Paid in Full/EFT | $85 |
| Advance Quote | $90 |
| Online Quote | $126 |
| Total Discounts | $765 |
Discounts are estimated and may not be available from every company or in every state.
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