Lexus GS F Insurance Rates

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UPDATED: Apr 25, 2024

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The average insurance prices for a Lexus GS F are $1,738 every 12 months for full coverage. Comprehensive insurance costs an estimated $372 a year, collision costs $752, and liability is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing $3,790 or more. Teenage drivers cost the most to insure at $6,400 a year or more.

Average premium for full coverage: $1,738

Policy rates broken down by type of insurance:

Comprehensive $372
Collision $752
Liability $456

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

Price Range Variability

For a driver around age 40, Lexus GS F insurance rates go from the cheapest price of $508 for just liability insurance to a high of $3,790 for coverage for higher-risk drivers.

Liability Only $508
Full Coverage $1,738
High Risk $3,790

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,304
Small Cities $1,825
Large Cities $2,346

The examples above show why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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 Details

The chart below shows estimated Lexus GS F insurance rates for other coverage scenarios.

  • The best discount rate is $973
  • Raising to $1,000 deductibles will save approximately $1,482 a year
  • The average price for a good driver age 40 who has $500 deductibles is $1,738
  • Using low $100 deductibles costs an extra $498 annually
  • Drivers who are prone to accidents and violations could pay up to $3,790 or more
  • Policy cost to insure a 16-year-old driver can cost as much as $6,400

View Chart as Image

Lexus GS F insurance cost comparison chart
Column chart showing full coverage Lexus GS F insurance prices range from $973 to $6,400

Car insurance rates for a Lexus GS F also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $760 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $6,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $2,100 to $2,800 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Lexus GS F insurance prices. A middle-age driver might find rates as low as $1,150 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.

Lexus GS F Insurance Rates by State
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%

View Chart as Image

Lexus GS F insurance rates by U.S. city

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

Lexus GS F Insurance Rates by Model Year
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 Shop for Low Cost Lexus GS F Insurance

Finding cheaper rates on insurance for a Lexus GS F consists of having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The next list is a review of the primary concepts that were covered above.

  • Drivers can save approximately $220 per year simply by quoting early and online
  • Drivers considered higher risk who have several accidents or serious violations pay on average $2,050 more annually to buy Lexus GS F insurance
  • Increasing comprehensive and collision deductibles could save as much as $750 each year
  • Drivers age 20 and younger have the highest car insurance rates, costing up to $533 each month if the policy includes full coverage

Rates by Driver Age

Lexus GS F Insurance 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

Lexus GS F Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,236
$250 $2,004
$500 $1,738
$1,000 $1,482

Full coverage, driver age 40

Rates by Liability Limit

Lexus GS F Insurance Rates with Different Liability Limits
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

Lexus GS F Insurance 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.

SR-22 Surcharge $251

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
Rate after discounts $973

Discounts are estimated and may not be available from every company or in every state.

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