Lexus GS 350 Insurance Rates

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UPDATED: May 6, 2024

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The average insurance rates for a Lexus GS 350 are $1,320 a year for full coverage. Comprehensive costs an estimated $288 each year, collision costs $506, and liability costs around $390. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing around $2,858. Teens cost the most to insure at $4,896 a year or more.

Average premium for full coverage: $1,320

Policy rates broken down by type of insurance:

Comprehensive $288
Collision $506
Liability $390

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and GS 350 models.

Price Range Variability

For an average driver, Lexus GS 350 insurance rates go from the low end price of $438 for just the minimum liability insurance to a high rate of $2,858 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

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

The examples above show why all drivers should compare prices for a targeted area, 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.

Additional Rate Analysis

The chart below shows estimated Lexus GS 350 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $753
  • Using higher $1,000 deductibles will save approximately $182 a year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,320
  • Selecting low deductibles for physical damage coverage bumps up the cost to $1,668
  • High-risk insureds with serious driving violations could pay up to $2,858 or more
  • Policy cost that insures a 16-year-old driver can cost as much as $4,896 or more

View Chart as Image

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

Insurance rates for a Lexus GS 350 also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can be from 45% to 135% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age

Your home state has a huge impact on Lexus GS 350 insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,880 on average in New York, Louisiana, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $530 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, and rates will be varied.

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 Find the Right Lexus GS 350 Insurance

Finding cheaper rates on insurance for a Lexus GS 350 requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a quick rundown of the coverage data covered in the above illustrations.

  • Drivers can save approximately $160 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $525 each year
  • 16 to 18-year-old drivers are expensive to insure, costing up to $408 each month if comprehensive and collision insurance is included
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,540 more annually than a driver with a clean driving record

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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