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 for full coverage. Comprehensive costs around $376 each year, collision costs $688, and liability costs around $316. A policy with just liability insurance costs as low as $376 a year, with coverage for high-risk drivers costing around $3,276. Teenage drivers pay the highest rates at $5,386 a year or more.
Average premium for full coverage: $1,516
Price estimates for individual coverage:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all states and GS 300 models.
Price Range from Low to High
For the average 40-year-old driver, Lexus GS 300 insurance prices go from the low end price of $376 for just liability insurance to a high rate of $3,276 for a policy for a high-risk driver.
Geographic Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities.
The graphic below illustrates the difference location can make on auto insurance rates.
The ranges above show why all drivers should compare prices for a specific zip code, instead of making a decision based on average rates.
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.
More Rate Details
The chart below shows estimated Lexus GS 300 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $853
- Using higher $1,000 deductibles will save about $242 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,516
- Using low deductibles for physical damage coverage bumps up the cost to $1,986
- High-risk insureds who are prone to accidents and violations could pay at least $3,276 or more
- The price that insures a 16-year-old driver can be $5,386 or more
Insurance prices for a Lexus GS 300 are also quite variable based on the trim level and model year, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can be from 45% to 133% more than a normal policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect 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 prices. A driver around age 40 might see prices as low as $1,000 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,160 on average in Michigan, Louisiana, 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% |
Using high physical damage deductibles could cut prices by as much as $720 annually, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $285 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so the prices may be quite different.
| 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 requires being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Compare prices every year by quoting rates from direct carriers, and also from several local insurance agents.
The items below are a brief recap of the coverage data touched on in this article.
- Drivers can save up to $190 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $700 each year
- Teen drivers pay higher prices, with premiums as much as $449 a month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations pay on average $1,760 more every year to insure their GS 300
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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