Lexus GS F Insurance Rates

The average insurance rates for a Lexus GS F are $1,738 a year for full coverage. Comprehensive costs approximately $372, collision costs $752, and liability insurance costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing around $3,790. Teenage drivers cost the most to insure at $6,400 a year or more.

Average premium for full coverage: $1,738

Policy rates by type of insurance:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different GS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location, rather than relying on average rates.

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

Rate Comparisons

The chart below shows estimated Lexus GS F insurance rates for additional coverage and risk scenarios.

• The best discount rate is $973
• Drivers who choose higher $1,000 deductibles will pay $256 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,738
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,236
• High risk drivers who are prone to accidents and violations could pay around $3,790 or more
• Policy cost that insures a teen driver with full coverage can cost $6,400 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $2,100 to $2,800 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,400 a year. View Rates by Age

Your home state makes a big difference in Lexus GS F insurance rates. A 40-year-old driver could pay as low as $1,150 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,480 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $760 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied.

How to Find More Affordable Lexus GS F Insurance

Finding cheaper rates on Lexus GS F insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The next list is a summary of the data that was covered above.

• Drivers can save around $220 per year simply by shopping early and online
• Drivers who purchase increased levels of liability coverage will pay an extra $500 each year to go from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are the costliest to insure, costing up to $533 each month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $2,050 more per year to buy Lexus GS F insurance