Lexus GS F Insurance Rates
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Michelle Robbins
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UPDATED: Apr 25, 2024
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The average insurance rates for a Lexus GS F are $1,738 a year including full coverage. Comprehensive insurance costs around $372 each year, collision costs $752, and liability is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing $3,790 or more. 16-year-old drivers cost the most to insure at $6,400 a year or more.
Average premium for full coverage: $1,738
Policy rates for type of insurance:
These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and GS F models.
Price Range Variability
Using a 40-year-old driver as an example, Lexus GS F insurance rates go from as low as $508 for your basic liability-only policy to a high rate of $3,790 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why all drivers should compare rates quotes for a specific zip code and risk profile, 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.
More Rate Information
The chart below breaks down estimated Lexus GS F insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $973
- Raising to $1,000 deductibles will save about $256 every year
- The average rate for a good driver age 40 using $500 deductibles is $1,738
- Buying low deductibles will cost an extra $498 annually
- Drivers with multiple tickets or accidents could pay at least $3,790 or more
- Policy cost for full coverage for a 16-year-old driver can be $6,400
Insurance rates for a Lexus GS F also range considerably based on your risk profile, the model of your GS F, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $6,400 a year. View Rates by Age
Your home state also has a big influence on Lexus GS F insurance prices. A middle-age driver might find rates as low as $1,330 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,480 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,570 | -$168 | -9.7% |
| Alaska | $1,334 | -$404 | -23.2% |
| Arizona | $1,442 | -$296 | -17.0% |
| Arkansas | $1,738 | -$0 | 0.0% |
| California | $1,980 | $242 | 13.9% |
| Colorado | $1,662 | -$76 | -4.4% |
| Connecticut | $1,786 | $48 | 2.8% |
| Delaware | $1,966 | $228 | 13.1% |
| Florida | $2,172 | $434 | 25.0% |
| Georgia | $1,604 | -$134 | -7.7% |
| Hawaii | $1,248 | -$490 | -28.2% |
| Idaho | $1,174 | -$564 | -32.5% |
| Illinois | $1,296 | -$442 | -25.4% |
| Indiana | $1,308 | -$430 | -24.7% |
| Iowa | $1,174 | -$564 | -32.5% |
| Kansas | $1,652 | -$86 | -4.9% |
| Kentucky | $2,370 | $632 | 36.4% |
| Louisiana | $2,570 | $832 | 47.9% |
| Maine | $1,074 | -$664 | -38.2% |
| Maryland | $1,432 | -$306 | -17.6% |
| Massachusetts | $1,390 | -$348 | -20.0% |
| Michigan | $3,018 | $1,280 | 73.6% |
| Minnesota | $1,454 | -$284 | -16.3% |
| Mississippi | $2,082 | $344 | 19.8% |
| Missouri | $1,540 | -$198 | -11.4% |
| Montana | $1,868 | $130 | 7.5% |
| Nebraska | $1,368 | -$370 | -21.3% |
| Nevada | $2,082 | $344 | 19.8% |
| New Hampshire | $1,252 | -$486 | -28.0% |
| New Jersey | $1,942 | $204 | 11.7% |
| New Mexico | $1,540 | -$198 | -11.4% |
| New York | $1,830 | $92 | 5.3% |
| North Carolina | $1,000 | -$738 | -42.5% |
| North Dakota | $1,420 | -$318 | -18.3% |
| Ohio | $1,198 | -$540 | -31.1% |
| Oklahoma | $1,784 | $46 | 2.6% |
| Oregon | $1,590 | -$148 | -8.5% |
| Pennsylvania | $1,656 | -$82 | -4.7% |
| Rhode Island | $2,318 | $580 | 33.4% |
| South Carolina | $1,572 | -$166 | -9.6% |
| South Dakota | $1,466 | -$272 | -15.7% |
| Tennessee | $1,522 | -$216 | -12.4% |
| Texas | $2,092 | $354 | 20.4% |
| Utah | $1,288 | -$450 | -25.9% |
| Vermont | $1,190 | -$548 | -31.5% |
| Virginia | $1,040 | -$698 | -40.2% |
| Washington | $1,342 | -$396 | -22.8% |
| West Virginia | $1,590 | -$148 | -8.5% |
| Wisconsin | $1,204 | -$534 | -30.7% |
| Wyoming | $1,548 | -$190 | -10.9% |
Opting for high physical damage deductibles can reduce rates by up to $760 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $2,100 to $2,800 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 135% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS F | $402 | $860 | $442 | $1,862 |
| 2019 Lexus GS F | $388 | $798 | $452 | $1,796 |
| 2018 Lexus GS F | $372 | $752 | $456 | $1,738 |
| 2017 Lexus GS F | $356 | $674 | $460 | $1,648 |
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 Cheap Lexus GS F Insurance
Finding cheaper rates on insurance for a Lexus GS F consists of having a decent driving record, maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a brief summary of the material that was raised in the charts and tables above.
- Insureds who may need additional liability coverage will pay around $500 per year to raise from a 30/60 limit to 250/500 limits
- 16 to 18-year-old drivers pay higher rates, with premiums being up to $533 each month for full coverage
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $2,050 more every year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $750 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,400 |
| 20 | $4,042 |
| 30 | $1,820 |
| 40 | $1,738 |
| 50 | $1,584 |
| 60 | $1,556 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,236 |
| $250 | $2,004 |
| $500 | $1,738 |
| $1,000 | $1,482 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,738 |
| 50/100 | $1,829 |
| 100/300 | $1,943 |
| 250/500 | $2,240 |
| 100 CSL | $1,875 |
| 300 CSL | $2,126 |
| 500 CSL | $2,308 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,182 |
| 20 | $6,448 |
| 30 | $3,884 |
| 40 | $3,790 |
| 50 | $3,620 |
| 60 | $3,590 |
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 | $95 |
| Multi-vehicle | $93 |
| Homeowner | $25 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $115 |
| Paid in Full/EFT | $85 |
| Advance Quote | $90 |
| Online Quote | $126 |
| Total Discounts | $765 |
Discounts are estimated and may not be available from every company or in every state.
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