Lexus GS F Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 25, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Lexus GS F are $1,738 a year for full coverage. Comprehensive insurance costs on average $372, collision insurance costs $752, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs $3,790 or more. Teens pay the most at up to $6,400 a year.

Average premium for full coverage: $1,738

Premium estimates by type of coverage:

Comprehensive $372
Collision $752
Liability $456

Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all GS F models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Lexus GS F range from as low as $508 for the bare minimum liability coverage to the much higher price of $3,790 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how location helps determine car insurance rates.

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

These rate differences show why everyone should compare rates based on a specific location and risk profile, instead of making a decision based on 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 Information

The chart below shows average Lexus GS F insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $973
  • Drivers who choose higher $1,000 deductibles will pay around $256 a year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,738
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $498 annually
  • Drivers with serious driving violations could pay upwards of $3,790
  • An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $6,400 a year

View Chart as Image

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

Auto insurance prices for a Lexus GS F also have a wide range based on your driving characteristics, the trim level of your GS F, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $6,400 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus GS F insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,480 on average in Michigan, Louisiana, and New York.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $760 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $2,100 to $2,800 in extra premium annually, depending on your age. Lexus GS F insurance for high-risk drivers can cost from 44% to 135% more than the average policy. View High Risk Driver Rates

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 Find the Right Lexus GS F Insurance

Finding better rates on insurance for a Lexus GS F not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

Below is a quick rundown of the concepts that were covered in the charts and tables above.

  • Drivers considered higher risk with reckless driving or DUI convictions will pay on average $2,050 more each year for auto insurance
  • Teenage drivers are charged the highest prices, as much as $533 per month if they have full coverage
  • Drivers can save as much as $220 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $750 each year
  • Drivers can save as much as $220 per year just by quoting online well ahead of the renewal date

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles