Lexus GS 300 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 22, 2024
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U.S. average insurance rates for a Lexus GS 300 are $1,516 a year with full coverage. Comprehensive insurance costs on average $376 a year, collision costs $688, and liability costs $316. Liability-only insurance costs as little as $376 a year, with high-risk driver insurance costing $3,276 or more. 16-year-old drivers pay the highest rates at $5,386 a year or more.
Average premium for full coverage: $1,516
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and GS 300 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Lexus GS 300 insurance prices go from as low as $376 for just the minimum liability insurance to a high of $3,276 for coverage for higher-risk drivers.
Geographic Price Range
Your location can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities.
The diagram below illustrates how rural and urban location affects car insurance rates.
The ranges above demonstrate why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below details estimated Lexus GS 300 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $853
- Drivers who choose higher $1,000 deductibles will pay around $1,274 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,516
- Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $470 annually
- Drivers with multiple tickets or accidents could pay upwards of $3,276 or more
- The price for full coverage for a 16-year-old driver may cost $5,386 a year
Car insurance prices for a Lexus GS 300 are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles may pay as low as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $5,300 a year. View Rates by Age
The state you live in makes a big difference in Lexus GS 300 insurance prices. A 40-year-old driver could pay as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or at least $2,050 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,370 | -$146 | -9.6% |
| Alaska | $1,162 | -$354 | -23.4% |
| Arizona | $1,256 | -$260 | -17.2% |
| Arkansas | $1,516 | -$0 | 0.0% |
| California | $1,728 | $212 | 14.0% |
| Colorado | $1,446 | -$70 | -4.6% |
| Connecticut | $1,556 | $40 | 2.6% |
| Delaware | $1,714 | $198 | 13.1% |
| Florida | $1,894 | $378 | 24.9% |
| Georgia | $1,400 | -$116 | -7.7% |
| Hawaii | $1,090 | -$426 | -28.1% |
| Idaho | $1,026 | -$490 | -32.3% |
| Illinois | $1,128 | -$388 | -25.6% |
| Indiana | $1,142 | -$374 | -24.7% |
| Iowa | $1,022 | -$494 | -32.6% |
| Kansas | $1,438 | -$78 | -5.1% |
| Kentucky | $2,068 | $552 | 36.4% |
| Louisiana | $2,244 | $728 | 48.0% |
| Maine | $936 | -$580 | -38.3% |
| Maryland | $1,252 | -$264 | -17.4% |
| Massachusetts | $1,208 | -$308 | -20.3% |
| Michigan | $2,632 | $1,116 | 73.6% |
| Minnesota | $1,270 | -$246 | -16.2% |
| Mississippi | $1,816 | $300 | 19.8% |
| Missouri | $1,344 | -$172 | -11.3% |
| Montana | $1,626 | $110 | 7.3% |
| Nebraska | $1,194 | -$322 | -21.2% |
| Nevada | $1,818 | $302 | 19.9% |
| New Hampshire | $1,094 | -$422 | -27.8% |
| New Jersey | $1,694 | $178 | 11.7% |
| New Mexico | $1,340 | -$176 | -11.6% |
| New York | $1,596 | $80 | 5.3% |
| North Carolina | $872 | -$644 | -42.5% |
| North Dakota | $1,242 | -$274 | -18.1% |
| Ohio | $1,044 | -$472 | -31.1% |
| Oklahoma | $1,554 | $38 | 2.5% |
| Oregon | $1,388 | -$128 | -8.4% |
| Pennsylvania | $1,444 | -$72 | -4.7% |
| Rhode Island | $2,020 | $504 | 33.2% |
| South Carolina | $1,372 | -$144 | -9.5% |
| South Dakota | $1,280 | -$236 | -15.6% |
| Tennessee | $1,326 | -$190 | -12.5% |
| Texas | $1,828 | $312 | 20.6% |
| Utah | $1,120 | -$396 | -26.1% |
| Vermont | $1,036 | -$480 | -31.7% |
| Virginia | $908 | -$608 | -40.1% |
| Washington | $1,168 | -$348 | -23.0% |
| West Virginia | $1,390 | -$126 | -8.3% |
| Wisconsin | $1,048 | -$468 | -30.9% |
| Wyoming | $1,350 | -$166 | -10.9% |
Opting for high physical damage deductibles could save up to $720 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can cost from 45% to 133% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus GS 300 | $268 | $464 | $390 | $1,258 |
Rates are averaged for all Lexus GS 300 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Lexus GS 300 Insurance
Getting lower rates on insurance for a Lexus GS 300 not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least once a year by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.
The points below are a brief recap of the primary concepts that were raised in the charts and tables above.
- You may be able to save as much as $190 per year simply by quoting early and online
- Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,760 more each year to insure a Lexus GS 300
- Increasing physical damage deductibles can save around $700 each year
- Drivers under the age of 20 are expensive to insure, costing up to $449 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,386 |
| 20 | $3,486 |
| 30 | $1,602 |
| 40 | $1,516 |
| 50 | $1,380 |
| 60 | $1,356 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,986 |
| $250 | $1,766 |
| $500 | $1,516 |
| $1,000 | $1,274 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,516 |
| 50/100 | $1,579 |
| 100/300 | $1,658 |
| 250/500 | $1,864 |
| 100 CSL | $1,611 |
| 300 CSL | $1,785 |
| 500 CSL | $1,911 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,740 |
| 20 | $5,544 |
| 30 | $3,368 |
| 40 | $3,276 |
| 50 | $3,118 |
| 60 | $3,090 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $83 |
| Multi-vehicle | $77 |
| Homeowner | $20 |
| 5-yr Accident Free | $120 |
| 5-yr Claim Free | $99 |
| Paid in Full/EFT | $76 |
| Advance Quote | $78 |
| Online Quote | $110 |
| Total Discounts | $663 |
Discounts are estimated and may not be available from every company or in every state.
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