Lexus GS F Insurance Rates

The average insurance prices for a Lexus GS F are $1,738 every 12 months for full coverage. Comprehensive costs approximately $372 each year, collision insurance costs $752, and liability is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs around $3,790. Teens cost the most to insure at up to $6,400 a year.

Average premium for full coverage: $1,738

Policy rates by type of insurance:

Rates are based on $500 deductibles, liability coverage up to 30/60, and includes uninsured motorist coverage. Prices are averaged for all states and GS F models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.

The examples above show why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Insurance Rate Analysis

The chart below shows average Lexus GS F insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $973
• Choosing higher $1,000 deductibles can save $256 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,738
• Selecting low deductibles for comp and collision coverage increases the price to $2,236
• Higher-risk drivers with serious driving violations could pay around $3,790
• Policy cost to insure a 16-year-old driver can cost $6,400 each year

View Chart as Image

Insurance rates for a Lexus GS F also range considerably based on liability limits and deductibles, your driver profile, and the model of your GS F.

Choosing higher comprehensive and collision insurance deductibles can save as much as $760 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $6,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $2,100 to $2,800 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 135% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lexus GS F insurance prices. A good driver about age 40 could pay as low as $1,150 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,480 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Best Cheap Lexus GS F Insurance

Finding cheaper rates on insurance for a Lexus GS F takes being a safe driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by getting quotes from direct carriers, and also from your local independent and exclusive agents.

Here is a quick review of the information touched on in the above illustrations.

• Drivers can save around $220 per year just by quoting online in advance
• Young drivers are expensive to insure, costing up to $533 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save as much as $750 each year
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $2,050 more per year for insurance
• Insureds who purchase more liability insurance will pay approximately $500 each year to raise limits from a 30/60 limit to a 250/500 level