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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Estimated auto insurance rates for a Lexus GS 300 are $1,516 annually with full coverage. Comprehensive costs an estimated $376 each year, collision costs $688, and liability coverage costs $316. A policy with only liability insurance costs as little as $376 a year, with a high-risk policy costing around $3,276. Teens pay the most at $5,386 a year or more.
Average premium for full coverage: $1,516
Premium estimates broken down by type of coverage:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and GS 300 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Lexus GS 300 go from as cheap as $376 for a discount liability-only rate to a high rate of $3,276 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. More rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects insurance prices.
These rate differences demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below details estimated Lexus GS 300 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $853
- Drivers who choose higher $1,000 deductibles will pay approximately $242 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,516
- Selecting low deductibles for comprehensive and collision insurance will cost $1,986
- High-risk insureds with serious driving violations could pay up to $3,276 or more
- An auto insurance policy with full coverage for a teenage driver can cost as much as $5,386 a year
Car insurance prices for a Lexus GS 300 also have a wide range based on the model of your GS 300, your driving record, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $1,800 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers can cost around 45% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $720 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $285 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Lexus GS 300 insurance rates. A 40-year-old driver could pay 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% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see how they stack up. Every company calculates prices differently, so rate quotes will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus GS 300 | $280 | $516 | $388 | $1,320 |
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 Buy Cheaper Lexus GS 300 Insurance
Finding better rates on auto insurance not only requires being a good driver, but also having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to compare rates at every other renewal by requesting quotes from direct companies, and also from several local insurance agents.
The following list is a condensed summary of the concepts that were presented in the illustrations above.
- Drivers with multiple at-fault accidents pay on average $1,760 more annually than a safer driver
- Drivers age 16 to 20 have the highest car insurance prices, possibly costing $449 per month if comprehensive and collision insurance is included
- You may be able to save approximately $190 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $700 each year
- You may be able to save approximately $190 per year simply by quoting online in advance
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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