Lexus GS 350 Insurance Rates
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UPDATED: May 6, 2024
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The average insurance prices for a Lexus GS 350 are $1,388 every 12 months for full coverage. Comprehensive insurance costs on average $300, collision insurance costs $564, and liability costs around $388. Buying just liability costs as low as $434 a year, and insurance for high-risk drivers costs $3,014 or more. Teenage drivers cost the most to insure at up to $5,122 a year.
Average premium for full coverage: $1,388
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all GS 350 models.
Price Range Variability
For a 40-year-old driver, Lexus GS 350 insurance rates range from the cheapest price of $434 for a discount liability-only rate to the much higher price of $3,014 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities. The example below illustrates how your location can change car insurance rates.
The examples above show why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based 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.
Rates by State, City, and Model
The chart below shows average 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 a year
- The average price for a good driver age 40 with $500 deductibles is $1,388
- Using pricier low deductibles for physical damage coverage costs an extra $382 annually
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,014
- Policy cost to insure a 16-year-old driver for full coverage may cost $5,122 or more
Insurance rates for a Lexus GS 350 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your GS 350.
Using high physical damage deductibles could cut rates by as much as $580 annually, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,300 extra every year, depending on your age. Lexus GS 350 insurance for high-risk drivers can be from 45% to 137% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Lexus GS 350 insurance prices. A driver around age 40 might see rates as low as $910 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,980 on average in Michigan, Louisiana, 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% |
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 Shop for the Best Cheap Lexus GS 350 Insurance
Finding cheaper rates on insurance for a Lexus GS 350 requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to shop around every other policy renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.
The points below are a quick review of the ideas that were illustrated above.
- Drivers under the age of 20 pay the highest rates, costing up to $427 each month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,630 more each year to insure a Lexus GS 350
- Increasing comprehensive and collision deductibles could save as much as $575 each year
- Drivers can save as much as $170 per year just by quoting online well ahead of the renewal date
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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