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 for full coverage. Comprehensive costs approximately $376, collision costs $688, and liability costs around $316. Liability-only coverage costs as low as $376 a year, with high-risk coverage costing around $3,276. Teens pay the most at $5,386 a year or more.
Average premium for full coverage: $1,516
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different GS 300 trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Lexus GS 300 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.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion.
The price range example below illustrates the effect of geographic area on auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of 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 shows 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 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,516
- Selecting more expensive low deductibles for physical damage coverage will cost $1,986
- Drivers with serious driving violations could pay around $3,276 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can cost $5,386 or more
Insurance prices for a Lexus GS 300 also have a wide range based on the model of your GS 300, your driver profile, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance can be as much as 45% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $720 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $285 more per year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Lexus GS 300 insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,160 on average in New York, Louisiana, 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 such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each insurance company calculates prices differently, so the prices 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 the Best Lexus GS 300 Insurance
Finding better rates on car insurance requires being safe and accident-free, having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to compare rates once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.
Below you'll find a brief recap of the data that was covered in the above illustrations.
- Drivers can save around $190 per year simply by shopping early and online
- Policyholders who purchase more liability protection will pay approximately $350 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
- Youthful drivers are expensive to insure, as much as $449 per month including comprehensive and collision insurance
- Higher risk drivers who tend to receive serious violations pay on average $1,760 more per year than a low-risk driver
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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