Lexus GS F Insurance Rates
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Michelle Robbins
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UPDATED: Apr 25, 2024
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Average insurance rates for a Lexus GS F are $1,648 a year with full coverage. Comprehensive insurance costs an estimated $356, collision insurance costs $674, and liability is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs $3,584 or more. 16-year-old drivers receive the highest rates at up to $6,094 a year.
Average premium for full coverage: $1,648
Rate estimates broken down by individual coverage type:
These estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different GS F trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $510 for minimum levels of liability insurance to a much higher rate of $3,584 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The price range example below illustrates how location helps determine insurance prices.
These examples demonstrate why anyone shopping for car insurance should get quotes 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.
Additional Rate Details
The chart below details average Lexus GS F insurance rates for other coverage scenarios.
- The best full coverage rate is $931
- Choosing higher $1,000 deductibles can save approximately $234 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,648
- Buying more expensive low deductibles for comp and collision coverage will cost an additional $456 annually
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,584
- The cost that insures a 16-year-old driver with full coverage can cost as much as $6,094 each year
Auto insurance rates for a Lexus GS F can also vary considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $2,000 to $2,700 in extra premium per year, depending on your age. High-risk driver insurance ranges from 44% to 136% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $6,000 a year. View Rates by Age
Where you live plays a big part in determining prices for Lexus GS F insurance prices. A good driver about age 40 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.
| 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% |
Opting for high physical damage deductibles can save as much as $690 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
| 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 Cheap Lexus GS F Insurance
Saving money on insurance for a Lexus GS F takes not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop at least every other year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a brief summary of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,940 more annually for GS F insurance
- You may be able to save approximately $200 per year just by shopping early and online
- Increasing deductibles can save approximately $700 each year
- Insureds who want higher liability limits will pay around $510 every year to raise limits from a minimum limit to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,104 |
| $250 | $1,892 |
| $500 | $1,648 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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