Lexus GS F Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 25, 2024
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Estimated auto insurance rates for a Lexus GS F are $1,738 annually for full coverage insurance. Comprehensive costs approximately $372, collision insurance costs $752, and liability costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs around $3,790. 16-year-old drivers pay the most at up to $6,400 a year.
Average premium for full coverage: $1,738
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all GS F models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Lexus GS F range from as cheap as $508 for just liability insurance to the much higher price of $3,790 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities. The example below illustrates the difference location can make on auto insurance prices.
These rate differences illustrate why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based 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.
More Rate Details
The chart below illustrates average Lexus GS F insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $973
- Using higher $1,000 deductibles will save $256 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,738
- Buying pricier low deductibles for physical damage coverage will cost $2,236
- High-risk insureds with multiple tickets or accidents could pay around $3,790
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $6,400 or more
Insurance prices for a Lexus GS F also have a wide range based on the model of your GS F, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $2,100 to $2,800 additional annually, depending on your age. Lexus GS F insurance for high-risk drivers can be from 44% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $760 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Lexus GS F insurance prices. A driver around age 40 might see prices as low as $1,140 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,340 on average in Florida, New York, and Michigan.
| 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% |
| 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 Buy the Best Cheap Lexus GS F Insurance
Finding better rates on insurance for a Lexus GS F requires being a good driver, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The following list is a quick review of the car insurance concepts touched on in this article.
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $2,050 more per year than a safer driver
- It is possible to save around $220 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $750 each year
- Insureds who purchase an increased level of liability coverage will pay around $500 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
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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