Lexus GS F Insurance Rates
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UPDATED: Apr 25, 2024
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Estimated insurance rates for a Lexus GS F are $1,738 a year for full coverage. Comprehensive costs around $372 each year, collision costs $752, and liability costs around $456. A policy with only liability insurance costs as low as $508 a year, with a high-risk policy costing around $3,790. Teenage drivers pay the most at $6,400 a year or more.
Average premium for full coverage: $1,738
Premium estimates for type of coverage:
Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all states and GS F models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Lexus GS F go from as low as $508 for just liability insurance to a high rate of $3,790 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These rate differences show why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on 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.
More Rate Details
The chart below shows estimated Lexus GS F insurance rates for additional coverage choices and driver risks.
- The best discount rate is $973
- Using higher $1,000 deductibles will save about $256 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,738
- Using low deductibles for physical damage coverage will increase the cost to $2,236
- High-risk insureds who are prone to accidents and violations could pay at least $3,790 or more
- An auto insurance policy for full coverage for a 16-year-old driver can be $6,400 or more
Car 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 deductibles and policy limits.
More mature drivers with no driving violations and high deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $6,400 a year. View Rates by Age
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 $1,150 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,480 on average in Michigan, Louisiana, and New York.
| 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 annually, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $2,100 to $2,800 extra annually, depending on your age. Insurance for high-risk drivers can be from 44% to 135% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to know your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially 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 the Right Lexus GS F Insurance
Finding better rates on insurance for a Lexus GS F requires being a safe and courteous driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
Below is a quick rundown of the coverage data raised in the charts and tables above.
- Drivers can save up to $220 per year simply by quoting online in advance
- Increasing policy deductibles can save around $750 each year
- Teenage drivers are the costliest to insure, as much as $533 per month if full coverage is included
- Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $2,050 more every year for auto insurance
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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