Lexus GS F Insurance Rates

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UPDATED: Apr 25, 2024

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U.S. average insurance prices for a Lexus GS F are $1,648 every 12 months including full coverage. Comprehensive insurance costs an estimated $356, collision costs $674, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing $3,584 or more. Teen drivers pay the highest rates at $6,094 a year or more.

Average premium for full coverage: $1,648

Price estimates broken down by individual coverage:

Comprehensive $356
Collision $674
Liability $460

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different GS F trim levels.

Price Range from Low to High

For the average 40-year-old driver, Lexus GS F insurance prices go from the cheapest price of $510 for just the minimum liability insurance to a much higher rate of $3,584 for coverage for higher-risk drivers.

Liability Only $510
Full Coverage $1,648
High Risk $3,584

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference location can make on insurance prices.

Rural Areas $1,236
Small Cities $1,730
Large Cities $2,225

The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying 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 Analysis

The chart below breaks down estimated Lexus GS F insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $931
  • Using higher $1,000 deductibles will save approximately $234 every year
  • The average price for the average middle-age driver who has $500 deductibles is $1,648
  • Choosing more expensive low deductibles for physical damage coverage costs an extra $456 a year
  • Drivers with multiple violations and an at-fault accident could pay up to $3,584 or more
  • The price to insure a teen driver with full coverage can cost as much as $6,094 or more

View Chart as Image

Lexus GS F insurance cost comparison chart
Column chart showing full coverage Lexus GS F insurance prices range from $931 to $6,094

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

Choosing high deductibles could cut prices by as much as $690 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $6,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $2,000 to $2,700 extra each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 136% more than average. View High Risk Driver Rates

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 $1,260 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,350 on average in Louisiana, New York, and Michigan.

Lexus GS F Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,490 -$158 -9.6%
Alaska $1,264 -$384 -23.3%
Arizona $1,370 -$278 -16.9%
Arkansas $1,648 -$0 0.0%
California $1,878 $230 14.0%
Colorado $1,576 -$72 -4.4%
Connecticut $1,694 $46 2.8%
Delaware $1,866 $218 13.2%
Florida $2,062 $414 25.1%
Georgia $1,522 -$126 -7.6%
Hawaii $1,184 -$464 -28.2%
Idaho $1,116 -$532 -32.3%
Illinois $1,228 -$420 -25.5%
Indiana $1,240 -$408 -24.8%
Iowa $1,112 -$536 -32.5%
Kansas $1,566 -$82 -5.0%
Kentucky $2,250 $602 36.5%
Louisiana $2,440 $792 48.1%
Maine $1,018 -$630 -38.2%
Maryland $1,360 -$288 -17.5%
Massachusetts $1,318 -$330 -20.0%
Michigan $2,862 $1,214 73.7%
Minnesota $1,380 -$268 -16.3%
Mississippi $1,974 $326 19.8%
Missouri $1,462 -$186 -11.3%
Montana $1,770 $122 7.4%
Nebraska $1,298 -$350 -21.2%
Nevada $1,978 $330 20.0%
New Hampshire $1,188 -$460 -27.9%
New Jersey $1,842 $194 11.8%
New Mexico $1,460 -$188 -11.4%
New York $1,738 $90 5.5%
North Carolina $950 -$698 -42.4%
North Dakota $1,350 -$298 -18.1%
Ohio $1,138 -$510 -30.9%
Oklahoma $1,694 $46 2.8%
Oregon $1,510 -$138 -8.4%
Pennsylvania $1,572 -$76 -4.6%
Rhode Island $2,200 $552 33.5%
South Carolina $1,492 -$156 -9.5%
South Dakota $1,390 -$258 -15.7%
Tennessee $1,444 -$204 -12.4%
Texas $1,988 $340 20.6%
Utah $1,220 -$428 -26.0%
Vermont $1,128 -$520 -31.6%
Virginia $988 -$660 -40.0%
Washington $1,276 -$372 -22.6%
West Virginia $1,510 -$138 -8.4%
Wisconsin $1,140 -$508 -30.8%
Wyoming $1,470 -$178 -10.8%

View Chart as Image

Lexus GS F insurance rates by U.S. city

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes may be quite different.

Lexus GS F Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lexus GS F $388 $798 $452 $1,796
2019 Lexus GS F $372 $752 $456 $1,738
2018 Lexus GS F $356 $674 $460 $1,648
2017 Lexus GS F $334 $620 $460 $1,572

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 Shop for More Affordable Lexus GS F Insurance

Getting lower rates on Lexus GS F insurance requires not taking risks behind the wheel, maintaining a good credit score, being claim-free, and not having any coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a summary of the primary concepts that were touched on in this article.

  • You may be able to save approximately $200 per year simply by shopping early and online
  • High-risk drivers who have multiple accidents or major violations may have to pay on average $1,940 more annually for GS F insurance
  • Increasing physical damage deductibles could save as much as $700 each year
  • Teens have the highest car insurance prices, possibly costing $508 a month if the policy includes full coverage

Rates by Driver Age

Lexus GS F Insurance Rates by Driver Age
Driver Age Premium
16 $6,094
20 $3,816
30 $1,724
40 $1,648
50 $1,504
60 $1,476

Full coverage, $500 deductibles

Rates by Deductible

Lexus GS F Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,104
$250 $1,892
$500 $1,648
$1,000 $1,414

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS F Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,648
50/100 $1,740
100/300 $1,855
250/500 $2,154
100 CSL $1,786
300 CSL $2,039
500 CSL $2,223

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus GS F Insurance Rates for High Risk Drivers
Age Premium
16 $8,728
20 $6,084
30 $3,670
40 $3,584
50 $3,422
60 $3,394

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 $235

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $89
Multi-vehicle $88
Homeowner $24
5-yr Accident Free $126
5-yr Claim Free $109
Paid in Full/EFT $78
Advance Quote $84
Online Quote $119
Total Discounts $717
Rate after discounts $931

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

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