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 $1,738 every 12 months including full coverage. Comprehensive costs an estimated $372, collision insurance costs $752, and liability insurance is $456. Liability-only insurance costs around $508 a year, and high-risk driver insurance costs around $3,790. 16-year-old drivers pay the highest rates at up to $6,400 a year.

Average premium for full coverage: $1,738

Price estimates broken down by individual coverage:

Comprehensive $372
Collision $752
Liability $456

Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different GS F trim levels.

Price Range from Low to High

For a driver in their 40's, Lexus GS F insurance prices range from the cheapest price of $508 for the bare minimum liability coverage to a much higher rate of $3,790 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,738
High Risk $3,790

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how location helps determine insurance prices.

Rural Areas $1,304
Small Cities $1,825
Large Cities $2,346

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

Additional Rate Information

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

  • The best full coverage rate is $973
  • Raising to $1,000 deductibles will save approximately $256 every year
  • The average price for the average middle-age driver who has $500 deductibles is $1,738
  • Buying more expensive low deductibles increases the price to $2,236
  • Higher-risk drivers with multiple tickets or accidents could pay up to $3,790
  • The price to insure a teen driver with full coverage can cost as much as $6,400

View Chart as Image

Lexus GS F insurance cost comparison chart
Column chart showing Lexus GS F insurance rates range from $973 to $6,400 for full coverage

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.

Opting for high physical damage deductibles can reduce prices by up to $760 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 $411 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 $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $6,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $2,100 to $2,800 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Lexus GS F insurance rates. A middle-age driver might find prices as low as $1,330 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,480 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 $1,570 -$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%

View Chart as Image

Lexus GS F insurance rates by U.S. city
Lexus GS F Insurance Rates by Model Year
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 Shop for the Right Lexus GS F Insurance

Getting lower rates on Lexus GS F insurance consists of being safe and accident-free, maintaining a good credit score, being claim-free, and possibly higher deductibles. Invest time comparing rates every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a quick rundown of the coverage data covered in the charts and tables above.

  • You may be able to save approximately $220 per year just by shopping early and online
  • Increasing physical damage deductibles could save as much as $750 each year
  • Youthful drivers have the highest car insurance prices, possibly costing $533 a month if the policy includes full coverage
  • High-risk drivers with reckless driving or DUI convictions may have to pay on average $2,050 more annually than a low-risk driver

Rates by Driver Age

Lexus GS F Insurance 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

Lexus GS F Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,236
$250 $2,004
$500 $1,738
$1,000 $1,482

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS F Insurance Rates with Different Liability Limits
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

Lexus GS F Insurance 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.

SR-22 Surcharge $251

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
Rate after discounts $973

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

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