Lexus GS-300 Insurance Rates

How much does insurance cost for a Lexus GS 300? Average Lexus GS 300 insurance rates are $123 per month or $1,474 annually. Many factors are used to help calculate your Lexus GS insurance costs. 

For example, the 2000 Lexus GS 300 price for insurance will be lower than the 2003 Lexus GS 300, which will also be lower than a 2007 Lexus GS 350 insurance cost.  

Read our comprehensive guide to better understand how the Lexus GS insurance costs are calculated, and how you can secure cheap car insurance rates.  

Immediately find savings for your Lexus G 300 insurance by entering your ZIP code into our FREE quote comparison tool. You’ll get affordable car insurance quotes from top auto insurance companies.

Shopping for auto insurance from online rate quotes is easy and there is a good chance you might just save a little. The key is to compare rates from as many companies as possible in order to have every option.

Consumers not familiar with shopping for insurance may think buying cut-rate Lexus GS-300 insurance is more work than they want to put in. Cutting your Lexus GS-300 insurance quotes doesn't have to be difficult. You just have to take a couple of minutes to get quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Auto insurance rates for your Lexus GS-300 will vary greatly based upon several criteria. Some of these factors include:

• Your driving record
• Your credit history
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Safety rating of your GS-300
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that will help determine Lexus GS-300 insurance rates is the model year. Older cars and trucks cost less in comparison to older models so the payout to repair will push premiums down. But more recent GS-300 vehicles may have a trim level with safety features including adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system so those may lower rates.

Liability insurance

damage that occurs to things like legal defense fees, bail bonds, and repair bills for other people's vehicles. .

Collision

another car or object. . , . .

Comprehensive auto insurance

OTHER than collision with another vehicle or object. . you'll receive from a claim , .

UM/UIM Coverage

Your UM/UIM coverage . , . .

Medical expense coverage

short-term medical expenses nursing services, prosthetic devices, and dental work. . .

We’ve talked all about Lexus car insurance costs. It’s time to score better than average insurance for the Lexus GS 350 by using our FREE quote comparison tool below.

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What are the safety ratings for the Lexus GS 300?

The cheapest Lexus to insure will be safe and reliable. Therefore, looking at the Lexus GS 300 safety ratings is a great way to find out what discounts you qualify for, and what may be costing you more money.

Check out the safety ratings below.

• Moderate overlap front: Good
• Side: Good
• Roof strength: Good

The rating of Good is the highest possible score given by the Insurance Institute for Highway Safety. You’ll see some savings on car insurance for your Lexus GS 300 thanks to these stellar safety ratings. 

For those wondering is Lexus discontinuing the GS, the answer is yes. After 2020, the model will no longer be updated. Remember, when answering the question of how much does insurance cost for a Lexus, insurance companies also factor in the cost of maintenance. 

Because this is a luxury line of vehicles that is soon to be discontinued, expect your rates to slightly increase.

Lexus GS 300 Compared Against other Vehicles in the Same Class

Officially, the Insurance Institute for Highway Safety classifies the Lexus GS 300 as a large luxury vehicle.

Comparing the Lexus GS 300 to similar vehicles can help you save money, especially if the Lexus GS 300 has a better loss ratio than other midsize sedans. 

Asking simply are Nissans more expensive to insure than Lexus’s can be misleading because each company features so many different car-types. Similarly, asking is insurance expensive on a Chrysler 300 compared to this Lexus model is also misleading because they are not in the same vehicle class. 

You’ll run into the same issue if you compare Lexus GS F insurance rates to Lexus ES insurance costs. Insurance cost for a Lexus RX 350 will also be different because it is a midsize SUV, not a large luxury four-door sedan like the GS 300.

Check out actually comparable vehicles below.

• Audi A7
• Maserati Ghibli
• Tesla Model S

This car type has substantially worse than average collision and comprehensive insurance loss ratios at 235 percent and 156 percent respectively. As a result, you’ll definitely see some rate increases. 

When it comes to Lexus vs Toyota insurance costs, remember that Lexus is a luxury line. Oppositely, Toyota’s generic line is focused on economy vehicles. 

Is a Lexus more expensive to insure than other luxury brands? Fortunately, not always. You can secure competitive rates for this type of car.

Keep in mind that the Lexus GS 350 maintenance cost will likely be expensive, but only you can say which is better, the Lexus IS or GS.

It’s time to stop asking is insurance higher on a Lexus and start comparison shopping for affordable rates. Enter your five-digit ZIP code into our FREE quote comparison tool to get the best Lexus GS 300 insurance rates.