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2010 Lexus GS 350 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 2010 Lexus GS 350 are $1,198 a year with full coverage. Comprehensive insurance costs approximately $254 a year, collision costs $406, and liability coverage costs $402. Buying a liability-only policy costs as little as $446 a year, with high-risk insurance costing $2,586 or more. Teen drivers receive the highest rates at $4,510 a year or more.

Annual premium for full coverage: $1,198

Rate estimates for 2010 Lexus GS 350 Insurance

Comprehensive $254
Collision $406
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Lexus GS 350 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $446 for just liability coverage to a high of $2,586 for a high risk driver.

Liability Only $446
Full Coverage $1,198
High Risk $2,586

View Chart as Image

2010 Lexus GS 350 insurance rates compared
Column chart showing 2010 Lexus GS 350 insurance prices range from $695 to $4,510 for full coverage

These differences demonstrate why it is important for drivers to compare rates using their specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2010 Lexus GS 350 Insurance

Searching Companies

Looking for the cheapest auto insurance rates? Shoppers have a choice when shopping for the best price on Lexus GS 350 insurance. You can either waste hours struggling with agents to get rate comparisons or use the internet to find the lowest rates.

There are more efficient ways to compare auto insurance rates and we’ll show you the best way to price shop coverage for your Lexus and find the cheapest rates from both online companies and local agents.

It’s important to get comparison quotes every six months because insurance rates are constantly changing. If you had the lowest rates for GS 350 insurance on your last policy there may be better deals available now. So forget anything you know (or think you know) about auto insurance because we’re going to show you the fastest way to reduce your cost while increasing coverage.

Take advantage of discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically when you quote, but some may not be applied and must be inquired about in order for you to get them. If you don’t get every credit you deserve, you are throwing money away.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Club Memberships – Participating in a civic or occupational organization is a good way to get lower rates when buying insurance for GS 350 insurance.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for GS 350 insurance than drivers with accident claims.
  • Auto/Life Discount – Larger companies have lower rates if you buy auto and life insurance together.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks simply for signing online.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.
  • Accident Forgiveness – A few companies will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think you can get free auto insurance, companies wouldn’t make money that way. But any discount will help reduce your premiums.

To see a list of providers with discount insurance rates, follow this link.

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can help discover if you might need an agent’s assistance.

  • Are my friends covered when driving my 2010 Lexus GS 350?
  • Do I need PIP coverage since I have good health insurance?
  • When should I remove comp and collision on my 2010 Lexus GS 350?
  • How much liability insurance is required?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why do I need rental car insurance?
  • When does my teenage driver need to be added to my policy?
  • What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Is there deception in advertising?

Consumers can’t get away from ads for the lowest price auto insurance from companies such as GEICO, State Farm and Progressive. All the ads make an identical promise about savings if you switch your policy.

How can each company make almost identical claims?

All the different companies can use profiling for the driver that earns them a profit. A good example of a profitable customer might be over the age of 50, is a homeowner, and drives newer vehicles. A propective insured who matches those parameters will get very good rates and as a result will probably save a lot of money.

Drivers who don’t qualify for these standards will be charged higher premiums and ends up with business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully claim big savings.

That is why you absolutely need to quote coverage with many companies. It’s not possible to predict which insurance companies will provide you with the cheapest Lexus GS 350 insurance rates.

Parts of your insurance policy

Understanding the coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, rock chips in glass and hitting a bird. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance will cover damage that occurs to people or other property that is your fault. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, repair costs for stationary objects, legal defense fees and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

Collision insurance pays for damage to your GS 350 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Lexus GS 350.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, chiropractic care, rehabilitation expenses, nursing services and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Have money to burn

People leave their current company for many reasons like not issuing a premium refund, lack of trust in their agent, denial of a claim and even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company can be easier than you think.

We just covered many ways to shop for 2010 Lexus GS 350 insurance online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a small local company.

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced collision coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at an affordable rate.

Additional detailed information is available in the articles below:

Rates by U.S. City

2010 Lexus GS 350 Insurance Rates by City
City Premium
New York City, NY $1,890
Los Angeles, CA $2,046
Philadelphia, PA $1,599
Jacksonville, FL $1,733
Phoenix, AZ $1,392
Chicago, IL $1,606
Houston, TX $1,877
Seattle, WA $1,164
Columbus, OH $997
Indianapolis, IN $1,022

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Lexus GS 350 Insurance Rates by Driver Age
Driver Age Premium
16 $4,510
20 $2,742
30 $1,242
40 $1,198
50 $1,096
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

2010 Lexus GS 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,488
$250 $1,354
$500 $1,198
$1,000 $1,048

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,278
100/300 $1,379
250/500 $1,640
100 CSL $1,319
300 CSL $1,540
500 CSL $1,701

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Lexus GS 350 Insurance Rates for High Risk Drivers
Age Premium
16 $6,428
20 $4,370
30 $2,636
40 $2,586
50 $2,464
60 $2,442

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.

SR-22 Surcharge $165

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $85
5-yr Claim Free $77
Paid in Full/EFT $52
Advance Quote $58
Online Quote $85
Total Discounts $503
Rate after discounts $695

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2010 Lexus GS 350 Insurance Rates by State
State Premium
Alabama $1,084
Alaska $918
Arizona $994
Arkansas $1,198
California $1,364
Colorado $1,142
Connecticut $1,230
Delaware $1,352
Florida $1,494
Georgia $1,108
Hawaii $860
Idaho $812
Illinois $892
Indiana $904
Iowa $808
Kansas $1,136
Kentucky $1,634
Louisiana $1,774
Maine $738
Maryland $990
Massachusetts $956
Michigan $2,078
Minnesota $1,002
Mississippi $1,436
Missouri $1,064
Montana $1,286
Nebraska $942
Nevada $1,436
New Hampshire $864
New Jersey $1,340
New Mexico $1,058
New York $1,260
North Carolina $690
North Dakota $984
Ohio $824
Oklahoma $1,228
Oregon $1,096
Pennsylvania $1,142
Rhode Island $1,596
South Carolina $1,086
South Dakota $1,012
Tennessee $1,048
Texas $1,444
Utah $888
Vermont $818
Virginia $718
Washington $924
West Virginia $1,098
Wisconsin $828
Wyoming $1,066

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