2018 Lexus GS 350 Insurance Rates
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UPDATED: Nov 19, 2019
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Average insurance rates for a 2018 Lexus GS 350 are $1,544 a year for full coverage. Comprehensive insurance costs approximately $356 each year, collision insurance costs $698, and liability costs $354. Buying a liability-only policy costs as little as $406 a year, and high-risk insurance costs $3,356 or more. Teen drivers receive the highest rates at up to $5,570 a year.
Annual premium for full coverage: $1,544
Rate estimates for 2018 Lexus GS 350 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 range from as low as $406 for the bare minimum liability coverage to a high rate of $3,356 for a high risk driver.
These differences show why all drivers should compare rates using their specific location and risk profile, instead of making a decision based 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 2018 Lexus GS 350 Insurance
Finding low cost car insurance can be a challenge if you are one of the millions of people new to price quotes online. Don’t let the process intimidate you because we’re going to show you how.
You need to take a look at other company’s rates quite often because prices change regularly. Despite the fact that you may have had the lowest rates for GS 350 coverage a couple years back you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to find out one of the quickest ways to reduce your cost while improving coverage.
Cheaper insurance quotes with discounts
Companies offering auto insurance don’t always advertise all their discounts very well, so we break down some of the best known and also the more inconspicuous credits that may apply to you.
- Fewer Miles Equal More Savings – Driving less could earn lower rates due to less chance of an accident.
- Discount for Life Insurance – Select insurance companies reward you with a discounted premium rate on car insurance if you buy life insurance.
- Membership in Organizations – Joining a professional or civic organization could qualify you for a break on your next renewal.
- Savings for New Vehicles – Buying a new car instead of a used car can save you some money due to better safety requirements for newer models.
- Senior Citizens – If you’re over the age of 55, you could receive lower premium rates for GS 350 coverage.
- Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
- Resident Student – Kids who live away from home to go to college and won’t have access to an insured vehicle can receive lower rates.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more.
Don’t be surprised that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will positively reduce your overall bill.
Large insurance companies and their offered discounts can be found below.
- Farmers Insurance offers discounts for teen driver, youthful driver, bundle discounts, early shopping, and mature driver.
- State Farm includes discounts for multiple policy, anti-theft, passive restraint, good driver, driver’s education, accident-free, and student away at school.
- Liberty Mutual offers discounts including teen driver discount, good student, exclusive group savings, new vehicle discount, new graduate, and multi-car.
- MetLife has savings for good driver, good student, defensive driver, accident-free, and multi-policy.
- Progressive discounts include multi-vehicle, multi-policy, online quote discount, homeowner, and online signing.
If you need lower rates, check with each insurance company which discounts you qualify for. Depending on the company, some discounts may not apply everywhere.
Tailor your auto insurance coverage to you
When it comes to choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.
For example, these questions can aid in determining whether you may require specific advice.
- What if I total my 2018 Lexus GS 350 and owe more than it’s worth?
- What is medical payments coverage?
- Am I insured when driving a different vehicle?
- Am I covered when driving on a suspended license?
- How do I file an SR-22 for a DUI in my state?
- Am I covered if I hit my neighbor’s mailbox?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.
Can you really save if you switch?
Big name companies like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. All the ads tend to make the same promise about saving some big amount if you move your policy. How does every company sell you cheaper insurance coverage? Just pay attention to how they say it.
Most companies have underwriting criteria for the type of driver they prefer to insure. One example of a driver they prefer should be over the age of 45, has had continuous coverage, and drives less than 7,500 miles a year. A driver that meets those criteria will get the preferred car insurance rates and will most likely save when switching.
Consumers who cannot meet these criteria will be quoted more expensive rates and this results in the customer buying from a different company. If you listen closely, the ads state “people who switch” not “all people who quote” save that much money. This is how insurance companies can claim big savings.
Because of this risk profiling, drivers must get car insurance quotes from several different companies. You cannot predict which company will have the lowest rate quotes.
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The coverage is in the details
Knowing the specifics of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses for pain medications, prosthetic devices, doctor visits and X-ray expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Coverage for liability – This can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.
Liability coverage pays for claims like bail bonds, medical expenses and court costs. How much coverage you buy is a personal decision, but consider buying higher limits if possible.
Comprehensive protection – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like fire damage, damage from a tornado or hurricane and hail damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Lexus GS 350.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.
Collision coverages – This covers damage to your GS 350 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things like crashing into a building, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.
Better coverage you can count on
Budget-friendly car insurance can be bought both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide online rate quotes and many times these smaller companies work with independent insurance agencies.
We’ve covered many tips how you can lower your 2018 Lexus GS 350 insurance rates. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.
Insureds change insurance companies for a variety of reasons including delays in paying claims, denial of a claim, lack of trust in their agent or even an unsatisfactory settlement offer. Regardless of your reason, switching companies can be pretty painless. Just use our FREE comparison tool now!
More information can be found on the following sites:
Rates by U.S. City
|New York City, NY||$2,436|
|Los Angeles, CA||$2,640|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$123|
|5-yr Claim Free||$102|
|Paid in Full/EFT||$77|
Discounts are estimated and may not be available from every company or in every state.