Lexus GS F Insurance Rates

The average insurance prices for a Lexus GS F are $1,738 every 12 months for full coverage. Comprehensive insurance costs on average $372, collision insurance costs $752, and liability is $456. A liability-only policy costs around $508 a year, and high-risk insurance costs $3,790 or more. Teen drivers cost the most to insure at up to $6,400 a year.

Average premium for full coverage: $1,738

Policy rates by type of insurance:

Rate estimates include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different GS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $973
• Raising to $1,000 deductibles will save around $256 a year
• The average price for a good driver age 40 with $500 deductibles is $1,738
• Choosing more expensive low deductibles costs an extra $498 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,790
• Policy cost to insure a 16-year-old driver with full coverage may cost $6,400

View Chart as Image

Car insurance rates for a Lexus GS F also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your GS F.

Choosing high deductibles can reduce rates by up to $760 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $6,400 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 $2,100 to $2,800 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 135% more than average. View High Risk Driver Rates

Your home state also has a big influence on Lexus GS F insurance prices. A middle-age driver might find rates as low as $1,150 a year in states like Idaho, Maine, and Iowa, or as much as $2,480 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Lexus GS F Insurance

Finding cheaper rates on insurance for a Lexus GS F consists of not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.

The following is a brief recap of the material that was touched on in the above illustrations.

• Insureds who require higher liability limits will pay about $500 each year to raise from a 30/60 limit to a 250/500 level
• Teens are expensive to insure, costing up to $533 each month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations pay an average of $2,050 more each year for GS F insurance
• Increasing comprehensive and collision deductibles could save as much as $750 each year