Lexus GS 300 Insurance Rates
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UPDATED: Apr 22, 2024
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Estimated insurance rates for a Lexus GS 300 are $1,516 a year including full coverage. Comprehensive insurance costs approximately $376, collision costs $688, and liability insurance is estimated at $316. Liability-only coverage costs approximately $376 a year, with high-risk coverage costing $3,276 or more. Teen drivers pay the most at $5,386 a year or more.
Average premium for full coverage: $1,516
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different GS 300 trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Lexus GS 300 go from the low end price of $376 for just liability coverage to a much higher rate of $3,276 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.
The price range example below illustrates the effect of geographic area on auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should get quotes using their specific location, rather than relying on 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.
Detailed Rate Analysis
The chart below breaks down estimated Lexus GS 300 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $853
- Choosing higher $1,000 deductibles can save $242 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,516
- Choosing more expensive low deductibles for comp and collision coverage will cost an additional $470 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,276 or more
- An auto insurance policy that insures a teen driver with full coverage can cost $5,386 each year
Insurance prices for a Lexus GS 300 also have a wide range based on the model year and trim level, 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 $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 45% to 133% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Lexus GS 300 insurance rates. A good driver about age 40 could pay as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,160 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,370 | -$146 | -9.6% |
| Alaska | $1,162 | -$354 | -23.4% |
| Arizona | $1,256 | -$260 | -17.2% |
| Arkansas | $1,516 | -$0 | 0.0% |
| California | $1,728 | $212 | 14.0% |
| Colorado | $1,446 | -$70 | -4.6% |
| Connecticut | $1,556 | $40 | 2.6% |
| Delaware | $1,714 | $198 | 13.1% |
| Florida | $1,894 | $378 | 24.9% |
| Georgia | $1,400 | -$116 | -7.7% |
| Hawaii | $1,090 | -$426 | -28.1% |
| Idaho | $1,026 | -$490 | -32.3% |
| Illinois | $1,128 | -$388 | -25.6% |
| Indiana | $1,142 | -$374 | -24.7% |
| Iowa | $1,022 | -$494 | -32.6% |
| Kansas | $1,438 | -$78 | -5.1% |
| Kentucky | $2,068 | $552 | 36.4% |
| Louisiana | $2,244 | $728 | 48.0% |
| Maine | $936 | -$580 | -38.3% |
| Maryland | $1,252 | -$264 | -17.4% |
| Massachusetts | $1,208 | -$308 | -20.3% |
| Michigan | $2,632 | $1,116 | 73.6% |
| Minnesota | $1,270 | -$246 | -16.2% |
| Mississippi | $1,816 | $300 | 19.8% |
| Missouri | $1,344 | -$172 | -11.3% |
| Montana | $1,626 | $110 | 7.3% |
| Nebraska | $1,194 | -$322 | -21.2% |
| Nevada | $1,818 | $302 | 19.9% |
| New Hampshire | $1,094 | -$422 | -27.8% |
| New Jersey | $1,694 | $178 | 11.7% |
| New Mexico | $1,340 | -$176 | -11.6% |
| New York | $1,596 | $80 | 5.3% |
| North Carolina | $872 | -$644 | -42.5% |
| North Dakota | $1,242 | -$274 | -18.1% |
| Ohio | $1,044 | -$472 | -31.1% |
| Oklahoma | $1,554 | $38 | 2.5% |
| Oregon | $1,388 | -$128 | -8.4% |
| Pennsylvania | $1,444 | -$72 | -4.7% |
| Rhode Island | $2,020 | $504 | 33.2% |
| South Carolina | $1,372 | -$144 | -9.5% |
| South Dakota | $1,280 | -$236 | -15.6% |
| Tennessee | $1,326 | -$190 | -12.5% |
| Texas | $1,828 | $312 | 20.6% |
| Utah | $1,120 | -$396 | -26.1% |
| Vermont | $1,036 | -$480 | -31.7% |
| Virginia | $908 | -$608 | -40.1% |
| Washington | $1,168 | -$348 | -23.0% |
| West Virginia | $1,390 | -$126 | -8.3% |
| Wisconsin | $1,048 | -$468 | -30.9% |
| Wyoming | $1,350 | -$166 | -10.9% |
Choosing high deductibles can save as much as $720 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $285 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus GS 300 | $292 | $548 | $384 | $1,360 |
Rates are averaged for all Lexus GS 300 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 Low Cost Lexus GS 300 Insurance
Finding better rates on Lexus GS 300 insurance takes avoiding accidents and claims, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Shop around at every other renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.
The points below are a review of the concepts that were covered in the above illustrations.
- High-risk drivers who have several accidents or serious violations will likely pay on average $1,760 more per year to insure a Lexus GS 300
- Drivers under the age of 20 are expensive to insure, with the cost nearing $449 per month if full coverage is included
- You may be able to save around $190 per year simply by shopping early and online
- Increasing policy deductibles can save approximately $700 each year
- You may be able to save around $190 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,386 |
| 20 | $3,486 |
| 30 | $1,602 |
| 40 | $1,516 |
| 50 | $1,380 |
| 60 | $1,356 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,986 |
| $250 | $1,766 |
| $500 | $1,516 |
| $1,000 | $1,274 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,516 |
| 50/100 | $1,579 |
| 100/300 | $1,658 |
| 250/500 | $1,864 |
| 100 CSL | $1,611 |
| 300 CSL | $1,785 |
| 500 CSL | $1,911 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,740 |
| 20 | $5,544 |
| 30 | $3,368 |
| 40 | $3,276 |
| 50 | $3,118 |
| 60 | $3,090 |
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 | $83 |
| Multi-vehicle | $77 |
| Homeowner | $20 |
| 5-yr Accident Free | $120 |
| 5-yr Claim Free | $99 |
| Paid in Full/EFT | $76 |
| Advance Quote | $78 |
| Online Quote | $110 |
| Total Discounts | $663 |
Discounts are estimated and may not be available from every company or in every state.
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