Lexus GS F Insurance Rates

Average insurance prices for a Lexus GS F are $1,796 every 12 months for full coverage. Comprehensive costs on average $388, collision insurance costs $798, and liability coverage costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs around $3,920. Teens receive the highest rates at up to $6,582 a year.

Average premium for full coverage: $1,796

Rate estimates by individual coverage type:

Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different GS F trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects car insurance rates.

These examples show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than using averaged prices.

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

Rate Comparisons

The chart below shows average Lexus GS F insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $1,001
• Using higher $1,000 deductibles will save around $270 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,796
• Selecting more expensive low deductibles for physical damage coverage increases the price to $2,320
• Higher-risk drivers with serious driving violations could pay upwards of $3,920
• The cost to insure a teenage driver with full coverage may cost $6,582 or more

View Chart as Image

Insurance rates for a Lexus GS F can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your GS F.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $800 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,700 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $6,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $2,200 to $2,900 extra per year, depending on your age. High-risk driver insurance can be around 44% to 137% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Lexus GS F insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,560 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Cheapest Lexus GS F Insurance

Saving money on auto insurance requires having a good driving record, having good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Set aside time to shop around every other policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a recap of the ideas that were raised in the charts and tables above.

• Drivers age 20 and younger pay the highest rates, costing as high as $549 per month if they have full coverage
• Drivers that have major violations or accidents pay an average of $2,120 more each year to buy Lexus GS F insurance
• Increasing deductibles could save as much as $800 each year
• Drivers can save as much as $230 per year just by shopping early and online