Lexus GS 350 Insurance Rates

Estimated auto insurance rates for a Lexus GS 350 are $1,388 annually for full coverage. Comprehensive insurance costs approximately $300, collision costs $564, and liability coverage is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing $3,014 or more. Teenage drivers pay the most at $5,122 a year or more.

Average premium for full coverage: $1,388

Premium estimates by type of coverage:

Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different GS 350 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural locations are statistically proven to have fewer accident claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below shows estimated Lexus GS 350 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $785
• Choosing higher $1,000 deductibles can save $196 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,388
• Using more expensive low deductibles for comp and collision coverage costs an additional $382 each year
• Drivers who are prone to accidents and violations could pay around $3,014 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost $5,122 each year

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Insurance prices for a Lexus GS 350 also have a wide range based on the model of your GS 350, your driver profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges around 45% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $580 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lexus GS 350 insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,980 on average in New York, Louisiana, and Michigan.

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With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Right Lexus GS 350 Insurance

Finding better rates on auto insurance takes being safe and accident-free, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to shop around at every policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

Below you'll find a quick rundown of the data illustrated above.

• Consumers who purchase more liability protection will pay an extra $430 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save around $170 per year simply by shopping early and online
• Increasing policy deductibles could save up to $575 each year
• Youthful drivers are expensive to insure, as much as $427 per month including comprehensive and collision insurance