Lexus GS 300 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for a Lexus GS 300 are $1,516 annually for full coverage. Comprehensive costs around $376 each year, collision insurance costs $688, and liability is estimated at $316. Liability-only insurance costs approximately $376 a year, and high-risk driver insurance costs around $3,276. Teens pay the highest rates at up to $5,386 a year.
Average premium for full coverage: $1,516
Price estimates for individual coverage:
Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and GS 300 models.
Price Range from Low to High
For the normal driver, Lexus GS 300 insurance prices range from as cheap as $376 for just liability coverage to a high rate of $3,276 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.
The ranges above show why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below shows average Lexus GS 300 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $853
- Choosing higher $1,000 deductibles can save about $242 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,516
- Selecting low deductibles for comp and collision coverage will cost $1,986
- Higher-risk drivers with serious driving violations could pay at least $3,276
- The price with full coverage for a 16-year-old driver can be $5,386 each year
Car insurance prices for a Lexus GS 300 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers ranges from 45% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $720 annually, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury 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
The state you live in plays a big part in determining prices for Lexus GS 300 insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Idaho, Maine, and Iowa, or have to pay at least $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% |
| 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 Buy the Right Lexus GS 300 Insurance
Getting lower rates on insurance for a Lexus GS 300 takes being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a quick rundown of the coverage data presented in the illustrations above.
- Drivers can save up to $190 per year just by quoting online in advance
- Increasing physical damage deductibles could save up to $700 each year
- Teenage drivers are the costliest to insure, with premiums as much as $449 a month if comprehensive and collision insurance is included
- Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,760 more every year for auto 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.
Compare Rates and Save
Find companies with the cheapest rates in your area
