Lexus GS 300 Insurance Rates
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UPDATED: Apr 22, 2024
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The average insurance prices for a Lexus GS 300 are $1,516 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $376 each year, collision insurance costs $688, and liability insurance is $316. Liability-only coverage costs around $376 a year, and high-risk coverage costs $3,276 or more. 16-year-old drivers cost the most to insure at up to $5,386 a year.
Average premium for full coverage: $1,516
Policy rates broken down by type of insurance:
Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and GS 300 models.
Price Range Variability
For an average driver, Lexus GS 300 insurance rates range from the cheapest price of $376 for the bare minimum liability coverage to a high rate of $3,276 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.
The examples above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, 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 Information
The chart below illustrates average Lexus GS 300 insurance rates for other coverage scenarios.
- The best full coverage rate is $853
- Raising to $1,000 deductibles will save approximately $242 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,516
- Buying low deductibles costs an extra $470 a year
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,276
- Policy cost to insure a teen driver can cost as much as $5,386
Insurance rates for a Lexus GS 300 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce rates by up to $720 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $5,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,800 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 133% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Lexus GS 300 insurance rates. A middle-age driver might find rates as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,050 on average in Florida, 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% |
| 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 Shop for the Best Cheap Lexus GS 300 Insurance
Finding cheaper rates on Lexus GS 300 insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and possibly raising deductibles. Take the time to compare rates at every other renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.
Below is a quick review of the concepts that were covered in the above illustrations.
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,760 more annually for auto insurance
- Teenage drivers are expensive to insure, possibly costing $449 each month if full coverage is included
- It is possible to save approximately $190 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $700 each year
- It is possible to save approximately $190 per year just by quoting online in advance
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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