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2014 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: Nov 16, 2021

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Average insurance rates for a 2014 Lexus GS 350 are $1,388 a year with full coverage. Comprehensive costs on average $300 a year, collision costs $564, and liability insurance costs around $388. Buying a liability-only policy costs as low as $434 a year, with high-risk insurance costing around $3,014. Teen drivers receive the highest rates at $5,122 a year or more.

Annual premium for full coverage: $1,388

Rate estimates for 2014 Lexus GS 350 Insurance

Comprehensive $300
Collision $564
Liability $388

Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 40-year-old driver, prices range go from as low as $434 for basic liability insurance to a high of $3,014 for high-risk insurance.

Liability Only $434
Full Coverage $1,388
High Risk $3,014

View Chart as Image

2014 Lexus GS 350 insurance rates compared
Column chart showing 2014 Lexus GS 350 insurance prices range from $785 to $5,122 for full coverage

These differences demonstrate why it is important for drivers to compare prices based on a specific location and risk profile, rather than relying on 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 2014 Lexus GS 350 Insurance

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Comparing car insurance rates is not really something car owners fancy doing, but unfortunately it’s required for any vehicle you drive.

Compare the Market for Auto Insurance

Performing a rate comparison can be challenging if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) talking to insurance companies in your area, or you can utilize the web to get the quickest rates.

Most major companies belong to a marketplace that allows shoppers to enter their policy data once, and at least one company provides a quote based on that information. This saves time by eliminating quote requests for each company.

To compare 2014 Lexus GS 350 rates using this form now click to open in new window.

The only downside to using this type of system is you cannot specify the providers to get quotes from. So if you prefer to choose specific providers for rate comparison, we have a page of auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make sure you use apples-to-apples deductibles and coverage limits for each price quote. If the quotes have mixed coverages it will be next to impossible to find the best deal for your Lexus GS 350. Having just a slight variation in coverages can result in a big premium difference. And when comparing auto insurance rates, know that more quotes helps you find better pricing.

Save big with these discounts

Companies offering auto insurance do not advertise every available discount very well, so we researched some of the best known and the harder-to-find ways to save on auto insurance.

  • Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Low Mileage – Low mileage vehicles could qualify for a substantially lower rate.
  • Safe Drivers – Safe drivers can pay as much as 50% less for GS 350 insurance than drivers with accidents.
  • No Claims – Claim-free drivers can earn big discounts compared to drivers who are more careless.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

Insurance companies that may have these benefits include:

  • State Farm
  • Liberty Mutual
  • American Family
  • Progressive
  • Farmers Insurance
  • Auto-Owners Insurance

Check with each company which discounts you may be entitled to. Discounts might not apply everywhere.

Impacting insurance rates for a Lexus GS 350

Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to big savings.

  • High deductibles save money – Your deductibles define the amount you are required to spend in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered would be running into the backend of another car, damage caused by hail, or theft. The more money the insured has to pay upfront, the less your insurance will be for GS 350 insurance.
  • Lower rates with optional equipment – Driving a car with an alarm system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Insurance companies award cheaper rates to drivers who are claim-free. Car insurance is intended for larger claims.
  • Never let your coverage lapse – Driving without insurance can get your license suspended and insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance might get you a steep fine or even jail time.You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

But I don’t know anything about car insurance

When choosing coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions can aid in determining whether you will benefit from professional help.

  • Does my policy pay for OEM or aftermarket parts?
  • Do I need replacement cost coverage on my 2014 Lexus GS 350?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving a rental car?
  • Will my rates increase for filing one claim?
  • What if I total my 2014 Lexus GS 350 and owe more than it’s worth?
  • Do I have coverage when pulling a U-Haul trailer?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I buy full coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Specifics of your insurance policy

Knowing the specifics of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Auto liability – This will cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like pain and suffering, legal defense fees and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for short-term medical expenses for things like prosthetic devices, X-ray expenses, funeral costs, surgery and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Collision coverage – Collision insurance pays for damage to your GS 350 caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, backing into a parked car, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, damage from a tornado or hurricane and falling objects. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

One last thing about your coverage

We just presented many ways to compare 2014 Lexus GS 350 insurance prices online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where an accident victim reduced physical damage coverage and learned later that it was a big mistake. The aim is to buy enough coverage for the lowest price.

Discount insurance is definitely available both online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some car insurance companies do not provide online quoting and these regional insurance providers work with independent agents.

Other learning opportunities

Rates by U.S. City

2014 Lexus GS 350 Insurance Rates by City
City Premium
New York City, NY $2,190
Los Angeles, CA $2,370
Philadelphia, PA $1,851
Jacksonville, FL $2,009
Phoenix, AZ $1,613
Chicago, IL $1,858
Houston, TX $2,174
Seattle, WA $1,348
Columbus, OH $1,159
Indianapolis, IN $1,182

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2014 Lexus GS 350 Insurance Rates by Driver Age
Driver Age Premium
16 $5,122
20 $3,206
30 $1,450
40 $1,388
50 $1,266
60 $1,244

Full coverage, $500 deductibles

Rates by Deductible

2014 Lexus GS 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,770
$250 $1,594
$500 $1,388
$1,000 $1,192

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,388
50/100 $1,466
100/300 $1,563
250/500 $1,815
100 CSL $1,504
300 CSL $1,718
500 CSL $1,873

Full coverage, driver age 40

Rates for High Risk Drivers

2014 Lexus GS 350 Insurance Rates for High Risk Drivers
Age Premium
16 $7,336
20 $5,112
30 $3,084
40 $3,014
50 $2,872
60 $2,848

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 $197

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $74
Homeowner $20
5-yr Accident Free $106
5-yr Claim Free $91
Paid in Full/EFT $66
Advance Quote $71
Online Quote $100
Total Discounts $603
Rate after discounts $785

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

Find companies with the cheapest rates in your area

2014 Lexus GS 350 Insurance Rates by State
State Premium
Alabama $1,254
Alaska $1,062
Arizona $1,152
Arkansas $1,388
California $1,580
Colorado $1,322
Connecticut $1,424
Delaware $1,568
Florida $1,732
Georgia $1,282
Hawaii $996
Idaho $940
Illinois $1,032
Indiana $1,046
Iowa $934
Kansas $1,318
Kentucky $1,892
Louisiana $2,052
Maine $856
Maryland $1,146
Massachusetts $1,106
Michigan $2,408
Minnesota $1,162
Mississippi $1,662
Missouri $1,230
Montana $1,488
Nebraska $1,092
Nevada $1,662
New Hampshire $1,000
New Jersey $1,550
New Mexico $1,226
New York $1,460
North Carolina $796
North Dakota $1,136
Ohio $958
Oklahoma $1,422
Oregon $1,270
Pennsylvania $1,322
Rhode Island $1,848
South Carolina $1,256
South Dakota $1,170
Tennessee $1,212
Texas $1,672
Utah $1,026
Vermont $948
Virginia $830
Washington $1,070
West Virginia $1,272
Wisconsin $958
Wyoming $1,234

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