Lexus GS F Insurance Rates

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UPDATED: Apr 25, 2024

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The average insurance rates for a Lexus GS F are $1,648 a year with full coverage. Comprehensive costs an estimated $356 a year, collision insurance costs $674, and liability costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $3,584. 16-year-old drivers cost the most to insure at up to $6,094 a year.

Average premium for full coverage: $1,648

Policy rates broken down by type of insurance:

Comprehensive $356
Collision $674
Liability $460

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and GS F trim levels.

Price Range Variability

For a 40-year-old driver, Lexus GS F insurance rates range from the low end price of $510 for a discount liability-only rate to a high of $3,584 for a driver required to buy high-risk insurance.

Liability Only $510
Full Coverage $1,648
High Risk $3,584

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates how your location can change insurance prices.

Rural Areas $1,236
Small Cities $1,730
Large Cities $2,225

The examples above demonstrate why it is important to compare rates for a targeted area, 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 details average Lexus GS F insurance rates for other coverage scenarios.

  • The best full coverage rate is $931
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,414 annually
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,648
  • Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,104
  • Drivers with multiple tickets or accidents could pay up to $3,584
  • Policy cost that insures a 16-year-old driver can cost as much as $6,094 a year

View Chart as Image

Lexus GS F insurance cost comparison chart
Column chart showing Lexus GS F insurance rates range from $931 to $6,094 for full coverage

Car insurance rates for a Lexus GS F also range considerably based on the trim level of your GS F, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $2,000 to $2,700 extra every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 136% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $6,000 a year. View Rates by Age

Your home state makes a big difference in Lexus GS F insurance prices. A 40-year-old driver could pay as low as $1,190 a year in states like Utah, Ohio, and New Hampshire, or at least $2,230 on average in New York, Michigan, and Florida.

Lexus GS F Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,490 -$158 -9.6%
Alaska $1,264 -$384 -23.3%
Arizona $1,370 -$278 -16.9%
Arkansas $1,648 -$0 0.0%
California $1,878 $230 14.0%
Colorado $1,576 -$72 -4.4%
Connecticut $1,694 $46 2.8%
Delaware $1,866 $218 13.2%
Florida $2,062 $414 25.1%
Georgia $1,522 -$126 -7.6%
Hawaii $1,184 -$464 -28.2%
Idaho $1,116 -$532 -32.3%
Illinois $1,228 -$420 -25.5%
Indiana $1,240 -$408 -24.8%
Iowa $1,112 -$536 -32.5%
Kansas $1,566 -$82 -5.0%
Kentucky $2,250 $602 36.5%
Louisiana $2,440 $792 48.1%
Maine $1,018 -$630 -38.2%
Maryland $1,360 -$288 -17.5%
Massachusetts $1,318 -$330 -20.0%
Michigan $2,862 $1,214 73.7%
Minnesota $1,380 -$268 -16.3%
Mississippi $1,974 $326 19.8%
Missouri $1,462 -$186 -11.3%
Montana $1,770 $122 7.4%
Nebraska $1,298 -$350 -21.2%
Nevada $1,978 $330 20.0%
New Hampshire $1,188 -$460 -27.9%
New Jersey $1,842 $194 11.8%
New Mexico $1,460 -$188 -11.4%
New York $1,738 $90 5.5%
North Carolina $950 -$698 -42.4%
North Dakota $1,350 -$298 -18.1%
Ohio $1,138 -$510 -30.9%
Oklahoma $1,694 $46 2.8%
Oregon $1,510 -$138 -8.4%
Pennsylvania $1,572 -$76 -4.6%
Rhode Island $2,200 $552 33.5%
South Carolina $1,492 -$156 -9.5%
South Dakota $1,390 -$258 -15.7%
Tennessee $1,444 -$204 -12.4%
Texas $1,988 $340 20.6%
Utah $1,220 -$428 -26.0%
Vermont $1,128 -$520 -31.6%
Virginia $988 -$660 -40.0%
Washington $1,276 -$372 -22.6%
West Virginia $1,510 -$138 -8.4%
Wisconsin $1,140 -$508 -30.8%
Wyoming $1,470 -$178 -10.8%

View Chart as Image

Lexus GS F insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $690 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Lexus GS F Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lexus GS F $388 $798 $452 $1,796
2019 Lexus GS F $372 $752 $456 $1,738
2018 Lexus GS F $356 $674 $460 $1,648
2017 Lexus GS F $334 $620 $460 $1,572

Rates are averaged for all Lexus GS F 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 Best Lexus GS F Insurance

Finding cheaper rates on insurance for a Lexus GS F not only requires being safe and accident-free, but also having a positive credit history, not filing small claims, and possibly higher deductibles. Comparison shop at every policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a brief recap of the data illustrated above.

  • Insureds who want more liability protection will pay around $510 every year to go from a 30/60 limit to the 250/500 level
  • You may be able to save approximately $200 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles can save approximately $700 each year
  • Youthful drivers have the highest car insurance rates, as much as $508 each month if full coverage is purchased

Rates by Driver Age

Lexus GS F Insurance Rates by Driver Age
Driver Age Premium
16 $6,094
20 $3,816
30 $1,724
40 $1,648
50 $1,504
60 $1,476

Full coverage, $500 deductibles

Rates by Deductible

Lexus GS F Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,104
$250 $1,892
$500 $1,648
$1,000 $1,414

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS F Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,648
50/100 $1,740
100/300 $1,855
250/500 $2,154
100 CSL $1,786
300 CSL $2,039
500 CSL $2,223

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus GS F Insurance Rates for High Risk Drivers
Age Premium
16 $8,728
20 $6,084
30 $3,670
40 $3,584
50 $3,422
60 $3,394

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 $235

Potential Rate Discounts

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

Discount Savings
Multi-policy $89
Multi-vehicle $88
Homeowner $24
5-yr Accident Free $126
5-yr Claim Free $109
Paid in Full/EFT $78
Advance Quote $84
Online Quote $119
Total Discounts $717
Rate after discounts $931

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

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