Lexus GS F Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance prices for a Lexus GS F are $1,648 every 12 months including full coverage. Comprehensive insurance costs on average $356, collision costs $674, and liability costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing $3,584 or more. Teen drivers pay the most at $6,094 a year or more.
Average premium for full coverage: $1,648
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all GS F models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Lexus GS F go from the cheapest price of $510 for liability-only coverage to the much higher price of $3,584 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences highlight why everyone should compare prices based on a specific location and their own driving history, instead of using price 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 Charts and Tables
The chart below breaks down estimated Lexus GS F insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $931
- Using higher $1,000 deductibles will save around $234 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,648
- Choosing pricier low deductibles for physical damage coverage costs an extra $456 every year
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,584 or more
- An auto insurance policy to insure a teen driver for full coverage may cost $6,094 or more
Insurance prices for a Lexus GS F also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your GS F.
Choosing high deductibles could cut prices by as much as $690 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $6,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $2,000 to $2,700 additional annually, depending on your age. Lexus GS F insurance for high-risk drivers can be as much as 44% to 136% more than average. View High Risk Driver Rates
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 $1,260 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,350 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and prices will be substantially different.
| 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 Shop for More Affordable Lexus GS F Insurance
Finding better rates on car insurance requires having a decent driving record, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at least every other year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The following items are a summary of the car insurance concepts covered above.
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,940 more each year than a driver with a clean driving record
- You may be able to save as much as $200 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $700 each year
- Policyholders who require additional liability coverage will pay about $510 per year to increase from 30/60 bodily injury limits to a 250/500 level
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
