Lexus GS 300 Insurance Rates

U.S. average insurance rates for a Lexus GS 300 are $1,516 a year with full coverage. Comprehensive costs around $376 a year, collision insurance costs $688, and liability insurance costs around $316. Liability-only coverage costs as low as $376 a year, and high-risk coverage costs around $3,276. Teen drivers pay the highest rates at up to $5,386 a year.

Average premium for full coverage: $1,516

Price estimates for individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and GS 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how your location can change auto insurance rates.

The ranges above demonstrate why it is important to compare prices for a specific zip code and risk profile, rather than relying on price averages.

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

Additional Charts and Tables

The chart below details average Lexus GS 300 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $853
• Using higher $1,000 deductibles will save about $1,274 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,516
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,986
• Drivers with multiple violations and an at-fault accident could pay at least $3,276
• The price for full coverage for a teen driver can be $5,386 or more

View Chart as Image

Auto insurance prices for a Lexus GS 300 are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

The state you live in has a huge impact on Lexus GS 300 insurance rates. A driver around age 40 might see prices as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,050 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $720 each year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $285 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,800 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 133% more than average. View High Risk Driver Rates

How to Find More Affordable Lexus GS 300 Insurance

Getting lower rates on Lexus GS 300 insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a summary of the primary concepts that were illustrated above.

• You may be able to save up to $190 per year just by quoting early and online
• High-risk drivers who have multiple accidents or major violations pay an average of $1,760 more every year for car insurance
• Increasing physical damage deductibles can save around $700 each year
• Teenagers are expensive to insure, costing up to $449 a month if they have full coverage