Lexus GS F Insurance Rates
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UPDATED: Apr 25, 2024
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Average insurance rates for a Lexus GS F are $1,738 a year for full coverage insurance. Comprehensive insurance costs an estimated $372, collision costs $752, and liability costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing $3,790 or more. Teens receive the highest rates at $6,400 a year or more.
Average premium for full coverage: $1,738
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all GS F models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $508 for your basic liability-only policy to the much higher price of $3,790 for a high-risk insurance policy.
Price Range by Location
Where you live can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.
The example below illustrates how location helps determine insurance prices.
These examples illustrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.
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 other coverage scenarios.
- The cheapest rate after discounts is $973
- Using higher $1,000 deductibles will save approximately $256 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,738
- Selecting pricier low deductibles for physical damage coverage will cost an extra $498 annually
- High-risk insureds with serious driving violations could pay up to $3,790 or more
- The cost for full coverage for a 16-year-old driver for full coverage can cost as much as $6,400 or more
Auto insurance rates for a Lexus GS F can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as low as $1,600 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $6,400 a year. View Rates by Age
Where you live has a huge impact on Lexus GS F insurance prices. A driver around age 40 might see rates as low as $1,140 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,340 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,570 | -$168 | -9.7% |
| Alaska | $1,334 | -$404 | -23.2% |
| Arizona | $1,442 | -$296 | -17.0% |
| Arkansas | $1,738 | -$0 | 0.0% |
| California | $1,980 | $242 | 13.9% |
| Colorado | $1,662 | -$76 | -4.4% |
| Connecticut | $1,786 | $48 | 2.8% |
| Delaware | $1,966 | $228 | 13.1% |
| Florida | $2,172 | $434 | 25.0% |
| Georgia | $1,604 | -$134 | -7.7% |
| Hawaii | $1,248 | -$490 | -28.2% |
| Idaho | $1,174 | -$564 | -32.5% |
| Illinois | $1,296 | -$442 | -25.4% |
| Indiana | $1,308 | -$430 | -24.7% |
| Iowa | $1,174 | -$564 | -32.5% |
| Kansas | $1,652 | -$86 | -4.9% |
| Kentucky | $2,370 | $632 | 36.4% |
| Louisiana | $2,570 | $832 | 47.9% |
| Maine | $1,074 | -$664 | -38.2% |
| Maryland | $1,432 | -$306 | -17.6% |
| Massachusetts | $1,390 | -$348 | -20.0% |
| Michigan | $3,018 | $1,280 | 73.6% |
| Minnesota | $1,454 | -$284 | -16.3% |
| Mississippi | $2,082 | $344 | 19.8% |
| Missouri | $1,540 | -$198 | -11.4% |
| Montana | $1,868 | $130 | 7.5% |
| Nebraska | $1,368 | -$370 | -21.3% |
| Nevada | $2,082 | $344 | 19.8% |
| New Hampshire | $1,252 | -$486 | -28.0% |
| New Jersey | $1,942 | $204 | 11.7% |
| New Mexico | $1,540 | -$198 | -11.4% |
| New York | $1,830 | $92 | 5.3% |
| North Carolina | $1,000 | -$738 | -42.5% |
| North Dakota | $1,420 | -$318 | -18.3% |
| Ohio | $1,198 | -$540 | -31.1% |
| Oklahoma | $1,784 | $46 | 2.6% |
| Oregon | $1,590 | -$148 | -8.5% |
| Pennsylvania | $1,656 | -$82 | -4.7% |
| Rhode Island | $2,318 | $580 | 33.4% |
| South Carolina | $1,572 | -$166 | -9.6% |
| South Dakota | $1,466 | -$272 | -15.7% |
| Tennessee | $1,522 | -$216 | -12.4% |
| Texas | $2,092 | $354 | 20.4% |
| Utah | $1,288 | -$450 | -25.9% |
| Vermont | $1,190 | -$548 | -31.5% |
| Virginia | $1,040 | -$698 | -40.2% |
| Washington | $1,342 | -$396 | -22.8% |
| West Virginia | $1,590 | -$148 | -8.5% |
| Wisconsin | $1,204 | -$534 | -30.7% |
| Wyoming | $1,548 | -$190 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $760 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying $2,100 to $2,800 in extra premium per year, depending on your age. Lexus GS F insurance for high-risk drivers can be from 44% to 135% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, and quoted rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS F | $402 | $860 | $442 | $1,862 |
| 2019 Lexus GS F | $388 | $798 | $452 | $1,796 |
| 2018 Lexus GS F | $372 | $752 | $456 | $1,738 |
| 2017 Lexus GS F | $356 | $674 | $460 | $1,648 |
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
Saving money on insurance for a Lexus GS F requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates at least every other year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following items are a brief recap of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk who tend to receive serious violations pay on average $2,050 more annually than a driver with a clean driving record
- It is possible to save approximately $220 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $750 each year
- Insureds who want additional liability coverage will pay approximately $500 annually to increase from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,400 |
| 20 | $4,042 |
| 30 | $1,820 |
| 40 | $1,738 |
| 50 | $1,584 |
| 60 | $1,556 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,236 |
| $250 | $2,004 |
| $500 | $1,738 |
| $1,000 | $1,482 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,738 |
| 50/100 | $1,829 |
| 100/300 | $1,943 |
| 250/500 | $2,240 |
| 100 CSL | $1,875 |
| 300 CSL | $2,126 |
| 500 CSL | $2,308 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,182 |
| 20 | $6,448 |
| 30 | $3,884 |
| 40 | $3,790 |
| 50 | $3,620 |
| 60 | $3,590 |
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 | $95 |
| Multi-vehicle | $93 |
| Homeowner | $25 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $115 |
| Paid in Full/EFT | $85 |
| Advance Quote | $90 |
| Online Quote | $126 |
| Total Discounts | $765 |
Discounts are estimated and may not be available from every company or in every state.
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