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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U.S. average insurance rates for a Lexus GS F are $1,738 a year for full coverage insurance. Comprehensive costs on average $372 a year, collision costs $752, and liability coverage costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $3,790. Teenage drivers pay the highest rates at $6,400 a year or more.
Average premium for full coverage: $1,738
Price estimates by individual coverage:
Includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and GS F trim levels.
Price Range from Low to High
For the average driver, Lexus GS F insurance prices go from the low end price of $508 for minimum levels of liability insurance to a high of $3,790 for coverage for higher-risk drivers.
Geographic Price Range
Where you live has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities.
The diagram below illustrates how location impacts car insurance rates.
The ranges above illustrate why it is important to compare prices based on a specific location, rather than using average rates.
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 Details
The chart below illustrates estimated Lexus GS F insurance rates for different risk profiles and scenarios.
- The best discount rate is $973
- Using higher $1,000 deductibles will save around $1,482 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,738
- Using low $100 deductibles for physical damage coverage bumps up the cost to $2,236
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,790 or more
- The price that insures a teenage driver may cost $6,400 or more
Insurance prices for a Lexus GS F are also quite variable based on the trim level of your GS F, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $2,100 to $2,800 additional each year, depending on your age. A high-risk auto insurance policy can be around 44% to 135% more than a normal policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,600 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $6,400 a year. View Rates by Age
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 $1,140 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,340 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could cut prices by as much as $760 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite different.
| 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 Cheapest Lexus GS F Insurance
Getting lower rates on auto insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare prices at least once a year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a recap of the primary concepts that were touched on above.
- It is possible to save as much as $220 per year simply by quoting early and online
- Drivers that have major violations or accidents may pay on average $2,050 more each year to insure a Lexus GS F
- Increasing physical damage deductibles can save approximately $750 each year
- Drivers under the age of 20 pay higher prices, as much as $533 a month if comprehensive and collision insurance is included
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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