Lexus GS F Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 25, 2024
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Estimated insurance rates for a Lexus GS F are $1,648 a year including full coverage. Comprehensive costs approximately $356 a year, collision insurance costs $674, and liability coverage is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs around $3,584. Teens pay the most at up to $6,094 a year.
Average premium for full coverage: $1,648
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and GS F trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Lexus GS F range from the low end price of $510 for just liability insurance to a high of $3,584 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance prices.
These rate differences highlight why it is important to compare rates quotes using their specific location, rather than using 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.
More Rate Details
The chart below breaks down average Lexus GS F insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $931
- Raising to $1,000 deductibles will save $1,414 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,648
- Selecting low $100 deductibles bumps up the cost to $2,104
- Unlucky drivers with serious driving violations could pay around $3,584
- An auto insurance policy that insures a teenage driver can cost $6,094
Insurance prices for a Lexus GS F also have a wide range based on the trim level of your GS F, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $2,000 to $2,700 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 136% more than the average policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,000 a year. View Rates by Age
Where you choose to live also has a big influence on Lexus GS F insurance rates. A middle-age driver might find prices as low as $1,260 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,350 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,490 | -$158 | -9.6% |
| Alaska | $1,264 | -$384 | -23.3% |
| Arizona | $1,370 | -$278 | -16.9% |
| Arkansas | $1,648 | -$0 | 0.0% |
| California | $1,878 | $230 | 14.0% |
| Colorado | $1,576 | -$72 | -4.4% |
| Connecticut | $1,694 | $46 | 2.8% |
| Delaware | $1,866 | $218 | 13.2% |
| Florida | $2,062 | $414 | 25.1% |
| Georgia | $1,522 | -$126 | -7.6% |
| Hawaii | $1,184 | -$464 | -28.2% |
| Idaho | $1,116 | -$532 | -32.3% |
| Illinois | $1,228 | -$420 | -25.5% |
| Indiana | $1,240 | -$408 | -24.8% |
| Iowa | $1,112 | -$536 | -32.5% |
| Kansas | $1,566 | -$82 | -5.0% |
| Kentucky | $2,250 | $602 | 36.5% |
| Louisiana | $2,440 | $792 | 48.1% |
| Maine | $1,018 | -$630 | -38.2% |
| Maryland | $1,360 | -$288 | -17.5% |
| Massachusetts | $1,318 | -$330 | -20.0% |
| Michigan | $2,862 | $1,214 | 73.7% |
| Minnesota | $1,380 | -$268 | -16.3% |
| Mississippi | $1,974 | $326 | 19.8% |
| Missouri | $1,462 | -$186 | -11.3% |
| Montana | $1,770 | $122 | 7.4% |
| Nebraska | $1,298 | -$350 | -21.2% |
| Nevada | $1,978 | $330 | 20.0% |
| New Hampshire | $1,188 | -$460 | -27.9% |
| New Jersey | $1,842 | $194 | 11.8% |
| New Mexico | $1,460 | -$188 | -11.4% |
| New York | $1,738 | $90 | 5.5% |
| North Carolina | $950 | -$698 | -42.4% |
| North Dakota | $1,350 | -$298 | -18.1% |
| Ohio | $1,138 | -$510 | -30.9% |
| Oklahoma | $1,694 | $46 | 2.8% |
| Oregon | $1,510 | -$138 | -8.4% |
| Pennsylvania | $1,572 | -$76 | -4.6% |
| Rhode Island | $2,200 | $552 | 33.5% |
| South Carolina | $1,492 | -$156 | -9.5% |
| South Dakota | $1,390 | -$258 | -15.7% |
| Tennessee | $1,444 | -$204 | -12.4% |
| Texas | $1,988 | $340 | 20.6% |
| Utah | $1,220 | -$428 | -26.0% |
| Vermont | $1,128 | -$520 | -31.6% |
| Virginia | $988 | -$660 | -40.0% |
| Washington | $1,276 | -$372 | -22.6% |
| West Virginia | $1,510 | -$138 | -8.4% |
| Wisconsin | $1,140 | -$508 | -30.8% |
| Wyoming | $1,470 | -$178 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $690 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS F | $388 | $798 | $452 | $1,796 |
| 2019 Lexus GS F | $372 | $752 | $456 | $1,738 |
| 2018 Lexus GS F | $356 | $674 | $460 | $1,648 |
| 2017 Lexus GS F | $334 | $620 | $460 | $1,572 |
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
Finding better rates on auto insurance consists of having a decent driving record, having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Compare rates every other policy renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.
The following items are a summary of the ideas that were covered in the above illustrations.
- 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $508 per month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations will likely pay on average $1,940 more per year than a driver with a clean driving record
- Increasing policy deductibles can save approximately $700 each year
- You may be able to save around $200 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,094 |
| 20 | $3,816 |
| 30 | $1,724 |
| 40 | $1,648 |
| 50 | $1,504 |
| 60 | $1,476 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,104 |
| $250 | $1,892 |
| $500 | $1,648 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,648 |
| 50/100 | $1,740 |
| 100/300 | $1,855 |
| 250/500 | $2,154 |
| 100 CSL | $1,786 |
| 300 CSL | $2,039 |
| 500 CSL | $2,223 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,728 |
| 20 | $6,084 |
| 30 | $3,670 |
| 40 | $3,584 |
| 50 | $3,422 |
| 60 | $3,394 |
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 | $89 |
| Multi-vehicle | $88 |
| Homeowner | $24 |
| 5-yr Accident Free | $126 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $78 |
| Advance Quote | $84 |
| Online Quote | $119 |
| Total Discounts | $717 |
Discounts are estimated and may not be available from every company or in every state.
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