Lexus GS 350 Insurance Rates
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UPDATED: May 6, 2024
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U.S. average insurance rates for a Lexus GS 350 are $1,388 a year with full coverage. Comprehensive costs on average $300, collision costs $564, and liability insurance costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing around $3,014. Teenage drivers pay the highest rates at $5,122 a year or more.
Average premium for full coverage: $1,388
Price estimates by individual coverage:
Full coverage includes $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all GS 350 models.
Price Range from Low to High
For the average 40-year-old driver, Lexus GS 350 insurance prices go from the low end price of $434 for just the minimum liability insurance to the much higher price of $3,014 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities.
The example below illustrates the difference location can make on car insurance rates.
The ranges above demonstrate why everyone should compare prices based on a specific location, rather than relying on average rates.
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 Analysis
The chart below details estimated Lexus GS 350 insurance rates for different risk profiles and scenarios.
- The best discount rate is $785
- Using higher $1,000 deductibles will save around $196 annually
- The estimated price for the average middle-age driver with $500 deductibles is $1,388
- Using pricier low deductibles for physical damage coverage bumps up the cost to $1,770
- Drivers who are prone to accidents and violations could pay upwards of $3,014 or more
- The price that insures a teen driver for full coverage may cost $5,122 or more
Auto insurance prices for a Lexus GS 350 are also quite variable based on the model of your GS 350, your age and driving habits, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. Lexus GS 350 insurance for high-risk drivers can be anywhere from 45% to 137% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,100 a year. View Rates by Age
The state you live in has a huge impact on Lexus GS 350 insurance rates. A driver around age 40 might see prices as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,870 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,254 | -$134 | -9.7% |
| Alaska | $1,062 | -$326 | -23.5% |
| Arizona | $1,152 | -$236 | -17.0% |
| Arkansas | $1,388 | -$0 | 0.0% |
| California | $1,580 | $192 | 13.8% |
| Colorado | $1,322 | -$66 | -4.8% |
| Connecticut | $1,424 | $36 | 2.6% |
| Delaware | $1,568 | $180 | 13.0% |
| Florida | $1,732 | $344 | 24.8% |
| Georgia | $1,282 | -$106 | -7.6% |
| Hawaii | $996 | -$392 | -28.2% |
| Idaho | $940 | -$448 | -32.3% |
| Illinois | $1,032 | -$356 | -25.6% |
| Indiana | $1,046 | -$342 | -24.6% |
| Iowa | $934 | -$454 | -32.7% |
| Kansas | $1,318 | -$70 | -5.0% |
| Kentucky | $1,892 | $504 | 36.3% |
| Louisiana | $2,052 | $664 | 47.8% |
| Maine | $856 | -$532 | -38.3% |
| Maryland | $1,146 | -$242 | -17.4% |
| Massachusetts | $1,106 | -$282 | -20.3% |
| Michigan | $2,408 | $1,020 | 73.5% |
| Minnesota | $1,162 | -$226 | -16.3% |
| Mississippi | $1,662 | $274 | 19.7% |
| Missouri | $1,230 | -$158 | -11.4% |
| Montana | $1,488 | $100 | 7.2% |
| Nebraska | $1,092 | -$296 | -21.3% |
| Nevada | $1,662 | $274 | 19.7% |
| New Hampshire | $1,000 | -$388 | -28.0% |
| New Jersey | $1,550 | $162 | 11.7% |
| New Mexico | $1,226 | -$162 | -11.7% |
| New York | $1,460 | $72 | 5.2% |
| North Carolina | $796 | -$592 | -42.7% |
| North Dakota | $1,136 | -$252 | -18.2% |
| Ohio | $958 | -$430 | -31.0% |
| Oklahoma | $1,422 | $34 | 2.4% |
| Oregon | $1,270 | -$118 | -8.5% |
| Pennsylvania | $1,322 | -$66 | -4.8% |
| Rhode Island | $1,848 | $460 | 33.1% |
| South Carolina | $1,256 | -$132 | -9.5% |
| South Dakota | $1,170 | -$218 | -15.7% |
| Tennessee | $1,212 | -$176 | -12.7% |
| Texas | $1,672 | $284 | 20.5% |
| Utah | $1,026 | -$362 | -26.1% |
| Vermont | $948 | -$440 | -31.7% |
| Virginia | $830 | -$558 | -40.2% |
| Washington | $1,070 | -$318 | -22.9% |
| West Virginia | $1,272 | -$116 | -8.4% |
| Wisconsin | $958 | -$430 | -31.0% |
| Wyoming | $1,234 | -$154 | -11.1% |
Using high physical damage deductibles could cut prices by as much as $580 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus GS 350 | $1,354 | $113 |
| Lexus GS 350 AWD | $1,388 | $116 |
Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS 350 | $344 | $668 | $364 | $1,512 |
| 2019 Lexus GS 350 | $326 | $646 | $376 | $1,484 |
| 2018 Lexus GS 350 | $312 | $598 | $384 | $1,430 |
| 2017 Lexus GS 350 | $300 | $564 | $388 | $1,388 |
| 2016 Lexus GS 350 | $288 | $506 | $390 | $1,320 |
Rates are averaged for all Lexus GS 350 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 More Affordable Lexus GS 350 Insurance
Getting lower rates on Lexus GS 350 insurance requires not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices once a year by obtaining price quotes from direct companies, and also from several local insurance agents.
The following is a summary of the data that was touched on in this article.
- You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Drivers who require higher liability limits will pay an extra $430 every year to increase from a low limit to the 250/500 level
- Teens are charged the highest prices, costing up to $427 a month if the policy includes full coverage
- High-risk drivers who have multiple accidents or major violations pay on average $1,630 more each year for GS 350 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,122 |
| 20 | $3,206 |
| 30 | $1,450 |
| 40 | $1,388 |
| 50 | $1,266 |
| 60 | $1,244 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,770 |
| $250 | $1,594 |
| $500 | $1,388 |
| $1,000 | $1,192 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,388 |
| 50/100 | $1,466 |
| 100/300 | $1,563 |
| 250/500 | $1,815 |
| 100 CSL | $1,504 |
| 300 CSL | $1,718 |
| 500 CSL | $1,873 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,336 |
| 20 | $5,112 |
| 30 | $3,084 |
| 40 | $3,014 |
| 50 | $2,872 |
| 60 | $2,848 |
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 | $75 |
| Multi-vehicle | $74 |
| Homeowner | $20 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $66 |
| Advance Quote | $71 |
| Online Quote | $100 |
| Total Discounts | $603 |
Discounts are estimated and may not be available from every company or in every state.
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