Lexus GS F Insurance Rates
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UPDATED: Apr 25, 2024
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The average insurance rates for a Lexus GS F are $1,796 a year for full coverage insurance. Comprehensive costs approximately $388, collision costs $798, and liability is $452. Liability-only insurance costs around $504 a year, with high-risk driver insurance costing around $3,920. Teenage drivers cost the most to insure at $6,582 a year or more.
Average premium for full coverage: $1,796
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all GS F models.
Price Range Variability
For the average 40-year-old driver, Lexus GS F insurance rates go from the low end price of $504 for your basic liability-only policy to the much higher price of $3,920 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities.
The example below illustrates the difference location can make on auto insurance prices.
The examples above illustrate why everyone should compare rates quotes using their specific location, instead of using 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.
More Rate Information
The chart below illustrates estimated Lexus GS F insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,001
- Raising to $1,000 deductibles will save $270 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,796
- Using pricier low deductibles bumps up the cost to $2,320
- At-risk drivers who are prone to accidents and violations could pay around $3,920 or more
- Policy cost that insures a teen driver for full coverage can cost $6,582
Auto insurance rates for a Lexus GS F also range considerably based on the model of your GS F, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $2,200 to $2,900 in extra premium every year, depending on your age. Lexus GS F insurance for high-risk drivers is expensive and can cost as much as 44% 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 may pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $6,500 a year. View Rates by Age
Your home state also has a big influence on Lexus GS F insurance prices. A middle-age driver might find rates as low as $1,170 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,420 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,622 | -$174 | -9.7% |
| Alaska | $1,376 | -$420 | -23.4% |
| Arizona | $1,490 | -$306 | -17.0% |
| Arkansas | $1,796 | -$0 | 0.0% |
| California | $2,046 | $250 | 13.9% |
| Colorado | $1,714 | -$82 | -4.6% |
| Connecticut | $1,846 | $50 | 2.8% |
| Delaware | $2,030 | $234 | 13.0% |
| Florida | $2,244 | $448 | 24.9% |
| Georgia | $1,656 | -$140 | -7.8% |
| Hawaii | $1,288 | -$508 | -28.3% |
| Idaho | $1,214 | -$582 | -32.4% |
| Illinois | $1,336 | -$460 | -25.6% |
| Indiana | $1,352 | -$444 | -24.7% |
| Iowa | $1,210 | -$586 | -32.6% |
| Kansas | $1,706 | -$90 | -5.0% |
| Kentucky | $2,448 | $652 | 36.3% |
| Louisiana | $2,658 | $862 | 48.0% |
| Maine | $1,106 | -$690 | -38.4% |
| Maryland | $1,480 | -$316 | -17.6% |
| Massachusetts | $1,436 | -$360 | -20.0% |
| Michigan | $3,118 | $1,322 | 73.6% |
| Minnesota | $1,502 | -$294 | -16.4% |
| Mississippi | $2,150 | $354 | 19.7% |
| Missouri | $1,592 | -$204 | -11.4% |
| Montana | $1,928 | $132 | 7.3% |
| Nebraska | $1,416 | -$380 | -21.2% |
| Nevada | $2,152 | $356 | 19.8% |
| New Hampshire | $1,294 | -$502 | -28.0% |
| New Jersey | $2,006 | $210 | 11.7% |
| New Mexico | $1,590 | -$206 | -11.5% |
| New York | $1,890 | $94 | 5.2% |
| North Carolina | $1,034 | -$762 | -42.4% |
| North Dakota | $1,468 | -$328 | -18.3% |
| Ohio | $1,240 | -$556 | -31.0% |
| Oklahoma | $1,842 | $46 | 2.6% |
| Oregon | $1,642 | -$154 | -8.6% |
| Pennsylvania | $1,712 | -$84 | -4.7% |
| Rhode Island | $2,394 | $598 | 33.3% |
| South Carolina | $1,624 | -$172 | -9.6% |
| South Dakota | $1,514 | -$282 | -15.7% |
| Tennessee | $1,570 | -$226 | -12.6% |
| Texas | $2,162 | $366 | 20.4% |
| Utah | $1,328 | -$468 | -26.1% |
| Vermont | $1,228 | -$568 | -31.6% |
| Virginia | $1,074 | -$722 | -40.2% |
| Washington | $1,386 | -$410 | -22.8% |
| West Virginia | $1,646 | -$150 | -8.4% |
| Wisconsin | $1,242 | -$554 | -30.8% |
| Wyoming | $1,598 | -$198 | -11.0% |
Using high physical damage deductibles can reduce rates by up to $800 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS F | $426 | $890 | $430 | $1,904 |
| 2019 Lexus GS F | $402 | $860 | $442 | $1,862 |
| 2018 Lexus GS F | $388 | $798 | $452 | $1,796 |
| 2017 Lexus GS F | $372 | $752 | $456 | $1,738 |
Rates are averaged for all Lexus GS F 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 the Best Lexus GS F Insurance
Finding cheaper rates on car insurance consists of being a safe and courteous driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare prices every couple of years by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
Below is a brief recap of the material that was touched on in this article.
- Policyholders who purchase higher levels of liability will pay an extra $500 annually to raise from a 30/60 limit to the 250/500 level
- Teenage drivers have the highest car insurance rates, possibly costing $549 each month if the policy includes full coverage
- Higher risk drivers who tend to receive serious violations could be charged and average of $2,120 more per year for auto insurance
- Increasing comprehensive and collision deductibles can save approximately $800 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,582 |
| 20 | $4,182 |
| 30 | $1,886 |
| 40 | $1,796 |
| 50 | $1,638 |
| 60 | $1,608 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,320 |
| $250 | $2,076 |
| $500 | $1,796 |
| $1,000 | $1,526 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,796 |
| 50/100 | $1,886 |
| 100/300 | $1,999 |
| 250/500 | $2,293 |
| 100 CSL | $1,932 |
| 300 CSL | $2,180 |
| 500 CSL | $2,361 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,454 |
| 20 | $6,670 |
| 30 | $4,018 |
| 40 | $3,920 |
| 50 | $3,742 |
| 60 | $3,712 |
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 | $98 |
| Multi-vehicle | $96 |
| Homeowner | $25 |
| 5-yr Accident Free | $143 |
| 5-yr Claim Free | $119 |
| Paid in Full/EFT | $89 |
| Advance Quote | $94 |
| Online Quote | $131 |
| Total Discounts | $795 |
Discounts are estimated and may not be available from every company or in every state.
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