Lexus GS 300 Insurance Rates
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UPDATED: Apr 22, 2024
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Average auto insurance rates for a Lexus GS 300 are $1,516 annually including full coverage. Comprehensive insurance costs an estimated $376, collision costs $688, and liability costs $316. Liability-only coverage costs as little as $376 a year, with high-risk coverage costing $3,276 or more. 16-year-old drivers receive the highest rates at $5,386 a year or more.
Average premium for full coverage: $1,516
Rate estimates broken down by individual coverage type:
Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different GS 300 trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $376 for a discount liability-only rate to a much higher rate of $3,276 for a driver that may need high-risk insurance.
Price Range by Location
Your location can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.
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 breaks down estimated Lexus GS 300 insurance rates for other coverage scenarios.
- The best full coverage rate is $853
- Drivers who choose higher $1,000 deductibles will pay approximately $242 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,516
- Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $470 annually
- Drivers with multiple tickets or accidents could pay up to $3,276 or more
- The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $5,386 a year
Car insurance rates for a Lexus GS 300 can also vary considerably based on the trim level of your GS 300, your driving characteristics, and liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,800 to $2,400 extra per year, depending on your age. High-risk driver insurance can cost from 45% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $720 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Lexus GS 300 insurance prices. A 40-year-old driver could pay as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,160 on average in Louisiana, 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% |
With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from multiple companies. Every company utilizes a different rate formula, so rate quotes can be significantly 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 the Cheapest Lexus GS 300 Insurance
Saving money on insurance for a Lexus GS 300 not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to compare rates once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The list below is a recap of the data that was covered above.
- You may be able to save approximately $190 per year simply by shopping early and online
- Insureds who want higher liability limits will pay around $350 per year to go from a minimum limit to higher 250/500 limits
- Teenagers have the highest car insurance rates, as much as $449 per month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,760 more annually for car 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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