Lexus GS 300 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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 with full coverage. Comprehensive insurance costs approximately $376 each year, collision costs $688, and liability coverage costs around $316. A policy with just liability insurance costs as low as $376 a year, with coverage for high-risk drivers costing $3,276 or more. 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:
These estimates include $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and GS 300 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $376 for just the minimum liability insurance to a high rate of $3,276 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion.
The graphic below illustrates how your location can change auto insurance prices.
These examples demonstrate why all drivers should compare prices 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.
Additional Rate Analysis
The chart below details estimated Lexus GS 300 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $853
- Using higher $1,000 deductibles will save $242 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,516
- Selecting low deductibles for physical damage coverage will cost an extra $470 each year
- Higher-risk drivers with serious driving violations could pay around $3,276 or more
- The cost for full coverage for a teenage driver can cost $5,386 or more
Insurance rates for a Lexus GS 300 can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
Where you live has a huge impact on Lexus GS 300 insurance rates. A driver around age 40 might see rates as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,050 on average in New York, Michigan, and Florida.
| 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 could cut rates by as much as $720 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $285 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers can be around 45% to 133% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, and rates 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 Cheap Lexus GS 300 Insurance
Saving money on auto insurance requires having a good driving record, having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at every policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The next list is a brief summary of the data illustrated above.
- Consumers who purchase increased levels of liability coverage will pay approximately $350 every year to increase from a minimum limit to 250/500 limits
- You may be able to save around $190 per year simply by quoting online in advance
- Increasing deductibles can save around $700 each year
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $449 per month including comprehensive and collision insurance
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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