Lexus GS F Insurance Rates
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UPDATED: Apr 25, 2024
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U.S. average auto insurance rates for a Lexus GS F are $1,796 annually for full coverage insurance. Comprehensive insurance costs approximately $388 each year, collision insurance costs $798, and liability is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs $3,920 or more. Teen drivers pay the highest rates at up to $6,582 a year.
Average premium for full coverage: $1,796
Price estimates by individual coverage:
Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and GS F models.
Price Range from Low to High
For the average driver, Lexus GS F insurance prices range from as cheap as $504 for your basic liability-only policy to a high rate of $3,920 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.
The ranges above illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, 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.
More Rate Information
The chart below illustrates average Lexus GS F insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,001
- Raising to $1,000 deductibles will save $270 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,796
- Choosing low deductibles costs an additional $524 annually
- Drivers with multiple violations and an at-fault accident could pay around $3,920
- The price with full coverage for a 16-year-old driver can cost $6,582
Car insurance prices for a Lexus GS F are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,700 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $6,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $2,200 to $2,900 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $800 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Lexus GS F insurance prices. A middle-age driver might find prices as low as $1,170 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,420 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,622 | -$174 | -9.7% |
| Alaska | $1,376 | -$420 | -23.4% |
| Arizona | $1,490 | -$306 | -17.0% |
| Arkansas | $1,796 | -$0 | 0.0% |
| California | $2,046 | $250 | 13.9% |
| Colorado | $1,714 | -$82 | -4.6% |
| Connecticut | $1,846 | $50 | 2.8% |
| Delaware | $2,030 | $234 | 13.0% |
| Florida | $2,244 | $448 | 24.9% |
| Georgia | $1,656 | -$140 | -7.8% |
| Hawaii | $1,288 | -$508 | -28.3% |
| Idaho | $1,214 | -$582 | -32.4% |
| Illinois | $1,336 | -$460 | -25.6% |
| Indiana | $1,352 | -$444 | -24.7% |
| Iowa | $1,210 | -$586 | -32.6% |
| Kansas | $1,706 | -$90 | -5.0% |
| Kentucky | $2,448 | $652 | 36.3% |
| Louisiana | $2,658 | $862 | 48.0% |
| Maine | $1,106 | -$690 | -38.4% |
| Maryland | $1,480 | -$316 | -17.6% |
| Massachusetts | $1,436 | -$360 | -20.0% |
| Michigan | $3,118 | $1,322 | 73.6% |
| Minnesota | $1,502 | -$294 | -16.4% |
| Mississippi | $2,150 | $354 | 19.7% |
| Missouri | $1,592 | -$204 | -11.4% |
| Montana | $1,928 | $132 | 7.3% |
| Nebraska | $1,416 | -$380 | -21.2% |
| Nevada | $2,152 | $356 | 19.8% |
| New Hampshire | $1,294 | -$502 | -28.0% |
| New Jersey | $2,006 | $210 | 11.7% |
| New Mexico | $1,590 | -$206 | -11.5% |
| New York | $1,890 | $94 | 5.2% |
| North Carolina | $1,034 | -$762 | -42.4% |
| North Dakota | $1,468 | -$328 | -18.3% |
| Ohio | $1,240 | -$556 | -31.0% |
| Oklahoma | $1,842 | $46 | 2.6% |
| Oregon | $1,642 | -$154 | -8.6% |
| Pennsylvania | $1,712 | -$84 | -4.7% |
| Rhode Island | $2,394 | $598 | 33.3% |
| South Carolina | $1,624 | -$172 | -9.6% |
| South Dakota | $1,514 | -$282 | -15.7% |
| Tennessee | $1,570 | -$226 | -12.6% |
| Texas | $2,162 | $366 | 20.4% |
| Utah | $1,328 | -$468 | -26.1% |
| Vermont | $1,228 | -$568 | -31.6% |
| Virginia | $1,074 | -$722 | -40.2% |
| Washington | $1,386 | -$410 | -22.8% |
| West Virginia | $1,646 | -$150 | -8.4% |
| Wisconsin | $1,242 | -$554 | -30.8% |
| Wyoming | $1,598 | -$198 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS F | $426 | $890 | $430 | $1,904 |
| 2019 Lexus GS F | $402 | $860 | $442 | $1,862 |
| 2018 Lexus GS F | $388 | $798 | $452 | $1,796 |
| 2017 Lexus GS F | $372 | $752 | $456 | $1,738 |
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 Buy Affordable Lexus GS F Insurance
Getting lower rates on insurance for a Lexus GS F consists of having a good driving record, having a good credit score, not filing small claims, and attention to physical damage deductibles. Spend time shopping around at least once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a brief review of the primary concepts that were touched on above.
- It is possible to save around $230 per year just by quoting online in advance
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $2,120 more per year to buy Lexus GS F insurance
- Increasing physical damage deductibles could save up to $800 each year
- Drivers age 20 and younger pay the highest auto insurance prices, as much as $549 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,582 |
| 20 | $4,182 |
| 30 | $1,886 |
| 40 | $1,796 |
| 50 | $1,638 |
| 60 | $1,608 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,320 |
| $250 | $2,076 |
| $500 | $1,796 |
| $1,000 | $1,526 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,796 |
| 50/100 | $1,886 |
| 100/300 | $1,999 |
| 250/500 | $2,293 |
| 100 CSL | $1,932 |
| 300 CSL | $2,180 |
| 500 CSL | $2,361 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,454 |
| 20 | $6,670 |
| 30 | $4,018 |
| 40 | $3,920 |
| 50 | $3,742 |
| 60 | $3,712 |
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 | $98 |
| Multi-vehicle | $96 |
| Homeowner | $25 |
| 5-yr Accident Free | $143 |
| 5-yr Claim Free | $119 |
| Paid in Full/EFT | $89 |
| Advance Quote | $94 |
| Online Quote | $131 |
| Total Discounts | $795 |
Discounts are estimated and may not be available from every company or in every state.
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