Lexus GS 300 Insurance Rates

U.S. average insurance prices for a Lexus GS 300 are $1,516 every 12 months for full coverage. Comprehensive insurance costs approximately $376 a year, collision insurance costs $688, and liability is $316. A policy with just liability insurance costs around $376 a year, and coverage for high-risk drivers costs $3,276 or more. Teen drivers pay the highest rates at up to $5,386 a year.

Average premium for full coverage: $1,516

Price estimates by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and GS 300 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.

The ranges above show why it is important to compare rates quotes using their specific location and their own driving history, instead of using price averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below shows average Lexus GS 300 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $853
• Raising to $1,000 deductibles will save $1,274 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,516
• Choosing low $100 deductibles costs an extra $470 every year
• At-risk drivers with multiple violations and an at-fault accident could pay around $3,276
• The price to insure a teen driver can cost $5,386

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Insurance prices for a Lexus GS 300 are also quite variable based on deductibles and policy limits, your driver profile, and the model of your GS 300.

Choosing high deductibles can reduce prices by up to $720 every year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $285 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 133% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Lexus GS 300 insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Iowa, Maine, and Idaho, or as much as $2,160 on average in New York, Louisiana, and Michigan.

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How to Shop for the Best Lexus GS 300 Insurance

Getting lower rates on car insurance consists of being a low-risk driver, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief recap of the information touched on in this article.

• Drivers can save around $190 per year just by quoting early and online
• Teen drivers are expensive to insure, with premiums as much as $449 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $700 each year
• Higher risk drivers who tend to receive serious violations may pay on average $1,760 more per year to insure their GS 300
• Policyholders who purchase more liability coverage will pay about $350 each year to raise from a low limit to a 250/500 level