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...
Licensed Insurance Agent
UPDATED: Apr 22, 2024
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Average insurance rates for a Lexus GS 300 are $1,516 a year for full coverage insurance. Comprehensive costs approximately $376, collision costs $688, and liability coverage is $316. Liability-only coverage costs around $376 a year, with high-risk coverage costing around $3,276. Teens receive the highest rates at $5,386 a year or more.
Average premium for full coverage: $1,516
Rate estimates by individual coverage type:
Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different GS 300 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $376 for basic liability insurance to a much higher rate of $3,276 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than using averaged prices.
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.
Rate Comparisons
The chart below illustrates estimated Lexus GS 300 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $853
- Raising to $1,000 deductibles will save $242 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,516
- Selecting more expensive low deductibles will increase the cost to $1,986
- Unlucky drivers with serious driving violations could pay around $3,276 or more
- The cost for full coverage for a teenage driver with full coverage can cost $5,386
Car insurance rates for a Lexus GS 300 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $5,300 a year. View Rates by Age
Where you live also has a big influence on Lexus GS 300 insurance rates. A middle-age driver might find rates as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,050 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $720 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,400 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 133% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, so rate quotes can be significantly 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 Right Lexus GS 300 Insurance
Saving money on auto insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around at every other renewal by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The next list is a quick rundown of the concepts that were raised in the charts and tables above.
- Drivers with reckless driving or DUI convictions may pay on average $1,760 more per year to buy Lexus GS 300 insurance
- Drivers age 20 and younger pay the highest auto insurance rates, costing up to $449 per month if full coverage is included
- It is possible to save around $190 per year simply by shopping early and online
- Increasing deductibles can save around $700 each year
- It is possible to save around $190 per year simply by shopping early and online
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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