Lexus GS 350 Insurance Rates

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UPDATED: May 6, 2024

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Estimated insurance prices for a Lexus GS 350 are $1,320 every 12 months for full coverage. Comprehensive costs around $288 a year, collision insurance costs $506, and liability is estimated at $390. Liability-only insurance costs approximately $438 a year, and high-risk driver insurance costs around $2,858. Teenage drivers pay the most at up to $4,896 a year.

Average premium for full coverage: $1,320

Premium estimates for type of coverage:

Comprehensive $288
Collision $506
Liability $390

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and GS 350 trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Lexus GS 350 range from the cheapest price of $438 for your basic liability-only policy to a high of $2,858 for a driver who requires high-risk insurance.

Liability Only $438
Full Coverage $1,320
High Risk $2,858

Insurance Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

Rural Areas $990
Small Cities $1,386
Large Cities $1,782

These rate differences show why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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.

More Rate Information

The chart below shows average Lexus GS 350 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $753
  • Choosing higher $1,000 deductibles can save about $1,138 a year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,320
  • Using low $100 deductibles for comp and collision coverage increases the price to $1,668
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,858
  • An auto insurance policy to insure a 16-year-old driver can be $4,896 each year

View Chart as Image

Lexus GS 350 insurance cost comparison chart
Column chart showing Lexus GS 350 insurance rates range from $753 to $4,896 for full coverage

Insurance prices for a Lexus GS 350 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $530 annually, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy ranges from 45% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus GS 350 insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and New York.

Lexus GS 350 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,192 -$128 -9.7%
Alaska $1,012 -$308 -23.3%
Arizona $1,094 -$226 -17.1%
Arkansas $1,320 -$0 0.0%
California $1,504 $184 13.9%
Colorado $1,258 -$62 -4.7%
Connecticut $1,356 $36 2.7%
Delaware $1,492 $172 13.0%
Florida $1,648 $328 24.8%
Georgia $1,222 -$98 -7.4%
Hawaii $948 -$372 -28.2%
Idaho $894 -$426 -32.3%
Illinois $982 -$338 -25.6%
Indiana $996 -$324 -24.5%
Iowa $890 -$430 -32.6%
Kansas $1,254 -$66 -5.0%
Kentucky $1,800 $480 36.4%
Louisiana $1,952 $632 47.9%
Maine $816 -$504 -38.2%
Maryland $1,090 -$230 -17.4%
Massachusetts $1,052 -$268 -20.3%
Michigan $2,290 $970 73.5%
Minnesota $1,108 -$212 -16.1%
Mississippi $1,580 $260 19.7%
Missouri $1,172 -$148 -11.2%
Montana $1,418 $98 7.4%
Nebraska $1,038 -$282 -21.4%
Nevada $1,582 $262 19.8%
New Hampshire $952 -$368 -27.9%
New Jersey $1,474 $154 11.7%
New Mexico $1,168 -$152 -11.5%
New York $1,390 $70 5.3%
North Carolina $762 -$558 -42.3%
North Dakota $1,082 -$238 -18.0%
Ohio $908 -$412 -31.2%
Oklahoma $1,354 $34 2.6%
Oregon $1,210 -$110 -8.3%
Pennsylvania $1,256 -$64 -4.8%
Rhode Island $1,760 $440 33.3%
South Carolina $1,196 -$124 -9.4%
South Dakota $1,112 -$208 -15.8%
Tennessee $1,154 -$166 -12.6%
Texas $1,590 $270 20.5%
Utah $978 -$342 -25.9%
Vermont $902 -$418 -31.7%
Virginia $790 -$530 -40.2%
Washington $1,018 -$302 -22.9%
West Virginia $1,210 -$110 -8.3%
Wisconsin $912 -$408 -30.9%
Wyoming $1,174 -$146 -11.1%

View Chart as Image

Lexus GS 350 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Lexus GS 350 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lexus GS 350 $1,288 $107
Lexus GS 350 AWD $1,320 $110

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Lexus GS 350 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lexus GS 350 $326 $646 $376 $1,484
2019 Lexus GS 350 $312 $598 $384 $1,430
2018 Lexus GS 350 $300 $564 $388 $1,388
2017 Lexus GS 350 $288 $506 $390 $1,320
2016 Lexus GS 350 $270 $466 $390 $1,262

Rates are averaged for all Lexus GS 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Right Lexus GS 350 Insurance

Finding better rates on insurance for a Lexus GS 350 takes being a good driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around at every other renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following list is a quick rundown of the concepts that were touched on above.

  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,540 more every year than a safer driver
  • Drivers age 16 to 20 are charged the highest prices, as much as $408 per month if full coverage is included
  • Drivers can save up to $160 per year just by quoting early and online
  • Increasing policy deductibles could save as much as $525 each year
  • Drivers can save up to $160 per year just by quoting early and online

Rates by Driver Age

Lexus GS 350 Insurance Rates by Driver Age
Driver Age Premium
16 $4,896
20 $3,038
30 $1,378
40 $1,320
50 $1,206
60 $1,184

Full coverage, $500 deductibles

Rates by Deductible

Lexus GS 350 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,668
$250 $1,508
$500 $1,320
$1,000 $1,138

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS 350 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,320
50/100 $1,398
100/300 $1,496
250/500 $1,749
100 CSL $1,437
300 CSL $1,652
500 CSL $1,808

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus GS 350 Insurance Rates for High Risk Drivers
Age Premium
16 $7,000
20 $4,840
30 $2,924
40 $2,858
50 $2,728
60 $2,702

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.

SR-22 Surcharge $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $98
5-yr Claim Free $86
Paid in Full/EFT $61
Advance Quote $66
Online Quote $95
Total Discounts $567
Rate after discounts $753

Discounts are estimated and may not be available from every company or in every state.

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