Lexus GS F Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 25, 2024
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Estimated insurance rates for a Lexus GS F are $1,648 a year including full coverage. Comprehensive insurance costs around $356, collision costs $674, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing $3,584 or more. Teens pay the most at $6,094 a year or more.
Average premium for full coverage: $1,648
Premium estimates for type of coverage:
Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different GS F trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Lexus GS F go from as low as $510 for a discount liability-only rate to a much higher rate of $3,584 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying 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.
Rates by State, City, and Model
The chart below breaks down estimated Lexus GS F insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $931
- Drivers who choose higher $1,000 deductibles will pay about $234 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,648
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $456 a year
- High risk drivers with serious driving violations could pay at least $3,584 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can be $6,094 a year
Auto insurance prices for a Lexus GS F also have a wide range based on your driving characteristics, the model of your GS F, and deductibles and policy limits.
An older driver with a good driving record and high deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $6,000 a year. View Rates by Age
Where you choose to live makes a big difference in Lexus GS F insurance rates. A 40-year-old driver could pay as low as $1,260 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,350 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $690 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $2,000 to $2,700 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out your exact price is to compare prices from as many companies as possible. Every company calculates prices differently, and quoted prices will be substantially different from one company to the next.
| 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 Cheaper Lexus GS F Insurance
Finding better rates on Lexus GS F insurance not only requires having a decent driving record, but also having good credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to shop around once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a condensed summary of the data that was raised in the charts and tables above.
- You may be able to save up to $200 per year simply by shopping early and online
- Drivers who may need additional liability coverage will pay approximately $510 per year to go from 30/60 bodily injury limits to 250/500 limits
- 16 to 18-year-old drivers are expensive to insure, with the cost nearing $508 per month if they have full coverage
- High-risk drivers with multiple at-fault accidents pay on average $1,940 more every year than a driver with a clean driving record
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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