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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U.S. average auto insurance rates for a Lexus GS F are $1,648 annually with full coverage. Comprehensive costs around $356 each year, collision costs $674, and liability costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing around $3,584. Teens pay the highest rates at $6,094 a year or more.
Average premium for full coverage: $1,648
Price estimates for individual coverage:
Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and GS F models.
Price Range from Low to High
Using a middle-aged driver as an example, Lexus GS F insurance prices go from as cheap as $510 for just liability coverage to a high rate of $3,584 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than cities with more traffic congestion.
The graphic below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based 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.
Detailed Rate Analysis
The chart below details 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 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,648
- Selecting low deductibles for comprehensive and collision insurance will cost $2,104
- Drivers with serious driving violations could pay at least $3,584 or more
- The price with full coverage for a 16-year-old driver can be $6,094 a year
Insurance prices for a Lexus GS F are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $6,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $2,000 to $2,700 additional each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $690 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
The state you live in 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 New Hampshire, Ohio, and Utah, or have to pay at least $2,230 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out your exact price is to do a rate comparison from multiple companies. Every company calculates prices differently, and prices may be quite different between companies.
| 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 Buy More Affordable Lexus GS F Insurance
Getting lower rates on insurance for a Lexus GS F not only requires being a safe and courteous driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a summary of the ideas that were touched on in the above illustrations.
- Teenage drivers are charged the highest prices, costing up to $508 a month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,940 more every year for auto insurance
- Increasing physical damage deductibles could save up to $700 each year
- You may be able to save up to $200 per year simply by quoting online in advance
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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