Lexus GS F Insurance Rates
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UPDATED: Apr 25, 2024
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Average insurance prices for a Lexus GS F are $1,796 every 12 months for full coverage. Comprehensive insurance costs an estimated $388 each year, collision costs $798, and liability is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing $3,920 or more. 16-year-old drivers receive the highest rates at $6,582 a year or more.
Average premium for full coverage: $1,796
Rate estimates broken down by individual coverage type:
Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and GS F models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $504 for your basic liability-only policy to a high rate of $3,920 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities.
The graphic below illustrates the difference location can make on insurance prices.
These examples show why all drivers should get quotes for a targeted area and their own driving history, instead of using 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.
More Rate Information
The chart below shows estimated Lexus GS F insurance rates for other coverage scenarios.
- The best full coverage rate is $1,001
- Choosing higher $1,000 deductibles can save approximately $270 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,796
- Buying low deductibles for comp and collision coverage costs an extra $524 every year
- Unlucky drivers with multiple tickets or accidents could pay up to $3,920 or more
- The cost to insure a teen driver can cost as much as $6,582 each year
Auto insurance rates for a Lexus GS F can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $800 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,700 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $6,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $2,200 to $2,900 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 137% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Lexus GS F insurance prices. A good driver about age 40 could pay as low as $1,180 a year in states like Iowa, Maine, and Idaho, or at least $2,560 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different.
| 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 Shop for the Best Lexus GS F Insurance
Saving money on car insurance takes being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Make time to compare rates every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a brief recap of the ideas that were touched on in this article.
- Teenage drivers are the costliest to insure, costing as high as $549 per month if comprehensive and collision insurance is included
- Higher risk drivers who tend to receive serious violations pay on average $2,120 more annually for auto insurance
- Increasing deductibles could save as much as $800 each year
- Drivers can save approximately $230 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,320 |
| $250 | $2,076 |
| $500 | $1,796 |
| $1,000 | $1,526 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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