Lexus GS F Insurance Rates
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UPDATED: Apr 25, 2024
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U.S. average insurance rates for a Lexus GS F are $1,738 a year with full coverage. Comprehensive insurance costs approximately $372 each year, collision costs $752, and liability coverage costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing $3,790 or more. 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:
Full coverage includes $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and GS F models.
Price Range from Low to High
Using a 40-year-old driver as an example, Lexus GS F insurance prices go from as low as $508 for just liability coverage to a high rate of $3,790 for high-risk insurance.
Geographic Price Range
Where you live has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why all drivers should compare prices using their specific location and risk profile, 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.
Detailed Rate Analysis
The chart below details estimated Lexus GS F insurance rates for additional coverage and risk scenarios.
- The best discount rate is $973
- Using higher $1,000 deductibles will save $256 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,738
- Using low deductibles for physical damage coverage will cost an extra $498 each year
- Higher-risk drivers who are prone to accidents and violations could pay around $3,790 or more
- The price for full coverage for a teenage driver can cost $6,400 or more
Car insurance prices for a Lexus GS F are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may only pay around $1,600 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark 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 $1,250 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,340 on average in New York, Michigan, 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, whereas increasing liability limits will push prices upward. Moving from a 50/100 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
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $2,100 to $2,800 extra each year, depending on your age. Insurance for high-risk drivers can be around 44% to 135% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.
| 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 More Affordable Lexus GS F Insurance
Getting lower rates on auto insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around every couple of years by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a summary of the material that was raised in the charts and tables above.
- Consumers who purchase increased levels of liability coverage will pay an extra $500 every year to increase from a low limit to 250/500 limits
- Drivers age 20 and younger pay the highest auto insurance prices, costing up to $533 a month if full coverage is included
- Drivers who have multiple accidents or major violations pay on average $2,050 more per year to buy Lexus GS F insurance
- Increasing physical damage deductibles can save around $750 each year
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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