Lexus GS F Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 25, 2024

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Estimated insurance rates for a Lexus GS F are $1,796 a year for full coverage. Comprehensive costs an estimated $388 a year, collision insurance costs $798, and liability insurance costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs around $3,920. 16-year-old drivers pay the most at up to $6,582 a year.

Average premium for full coverage: $1,796

Premium estimates broken down by type of coverage:

Comprehensive $388
Collision $798
Liability $452

Rates are based on $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 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 $504 for minimum levels of liability insurance to a high of $3,920 for coverage for higher-risk drivers.

Liability Only $504
Full Coverage $1,796
High Risk $3,920

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,347
Small Cities $1,886
Large Cities $2,425

These rate differences show why it is important to compare prices for a targeted area, rather than relying 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.

Additional Rate Details

The chart below shows average Lexus GS F insurance rates for other coverage scenarios.

  • The best full coverage rate is $1,001
  • Using higher $1,000 deductibles will save approximately $1,526 a year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,796
  • Buying low $100 deductibles for physical damage coverage bumps up the cost to $2,320
  • Drivers with multiple tickets or accidents could pay up to $3,920
  • An auto insurance policy that insures a teen driver can cost as much as $6,582 or more

View Chart as Image

Lexus GS F insurance cost comparison chart
Column chart showing Lexus GS F insurance rates range from $1,001 to $6,582 for full coverage

Auto insurance prices for a Lexus GS F also have a wide range based on the trim level of your GS F, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $2,200 to $2,900 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 137% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $6,500 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus GS F insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like Iowa, Maine, and Idaho, or at least $2,560 on average in New York, Louisiana, and Michigan.

Lexus GS F Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,622 -$174 -9.7%
Alaska $1,376 -$420 -23.4%
Arizona $1,490 -$306 -17.0%
Arkansas $1,796 -$0 0.0%
California $2,046 $250 13.9%
Colorado $1,714 -$82 -4.6%
Connecticut $1,846 $50 2.8%
Delaware $2,030 $234 13.0%
Florida $2,244 $448 24.9%
Georgia $1,656 -$140 -7.8%
Hawaii $1,288 -$508 -28.3%
Idaho $1,214 -$582 -32.4%
Illinois $1,336 -$460 -25.6%
Indiana $1,352 -$444 -24.7%
Iowa $1,210 -$586 -32.6%
Kansas $1,706 -$90 -5.0%
Kentucky $2,448 $652 36.3%
Louisiana $2,658 $862 48.0%
Maine $1,106 -$690 -38.4%
Maryland $1,480 -$316 -17.6%
Massachusetts $1,436 -$360 -20.0%
Michigan $3,118 $1,322 73.6%
Minnesota $1,502 -$294 -16.4%
Mississippi $2,150 $354 19.7%
Missouri $1,592 -$204 -11.4%
Montana $1,928 $132 7.3%
Nebraska $1,416 -$380 -21.2%
Nevada $2,152 $356 19.8%
New Hampshire $1,294 -$502 -28.0%
New Jersey $2,006 $210 11.7%
New Mexico $1,590 -$206 -11.5%
New York $1,890 $94 5.2%
North Carolina $1,034 -$762 -42.4%
North Dakota $1,468 -$328 -18.3%
Ohio $1,240 -$556 -31.0%
Oklahoma $1,842 $46 2.6%
Oregon $1,642 -$154 -8.6%
Pennsylvania $1,712 -$84 -4.7%
Rhode Island $2,394 $598 33.3%
South Carolina $1,624 -$172 -9.6%
South Dakota $1,514 -$282 -15.7%
Tennessee $1,570 -$226 -12.6%
Texas $2,162 $366 20.4%
Utah $1,328 -$468 -26.1%
Vermont $1,228 -$568 -31.6%
Virginia $1,074 -$722 -40.2%
Washington $1,386 -$410 -22.8%
West Virginia $1,646 -$150 -8.4%
Wisconsin $1,242 -$554 -30.8%
Wyoming $1,598 -$198 -11.0%

View Chart as Image

Lexus GS F insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $800 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

Lexus GS F Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lexus GS F $426 $890 $430 $1,904
2019 Lexus GS F $402 $860 $442 $1,862
2018 Lexus GS F $388 $798 $452 $1,796
2017 Lexus GS F $372 $752 $456 $1,738

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 Best Cheap Lexus GS F Insurance

Finding better rates on Lexus GS F insurance requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop at least once a year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a quick review of the primary concepts that were covered in the above illustrations.

  • Drivers can save approximately $230 per year just by quoting early and online
  • High-risk drivers with a DUI or reckless driving violation may pay on average $2,120 more annually for GS F insurance
  • Increasing policy deductibles can save approximately $800 each year
  • Teens are the costliest to insure, as much as $549 per month if the policy includes full coverage

Rates by Driver Age

Lexus GS F Insurance Rates by Driver Age
Driver Age Premium
16 $6,582
20 $4,182
30 $1,886
40 $1,796
50 $1,638
60 $1,608

Full coverage, $500 deductibles

Rates by Deductible

Lexus GS F Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,320
$250 $2,076
$500 $1,796
$1,000 $1,526

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS F Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,796
50/100 $1,886
100/300 $1,999
250/500 $2,293
100 CSL $1,932
300 CSL $2,180
500 CSL $2,361

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus GS F Insurance Rates for High Risk Drivers
Age Premium
16 $9,454
20 $6,670
30 $4,018
40 $3,920
50 $3,742
60 $3,712

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.

SR-22 Surcharge $261

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $98
Multi-vehicle $96
Homeowner $25
5-yr Accident Free $143
5-yr Claim Free $119
Paid in Full/EFT $89
Advance Quote $94
Online Quote $131
Total Discounts $795
Rate after discounts $1,001

Discounts are estimated and may not be available from every company or in every state.

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