Lexus GS F Insurance Rates
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UPDATED: Apr 25, 2024
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Average insurance rates for a Lexus GS F are $1,738 a year including full coverage. Comprehensive costs on average $372, collision insurance costs $752, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs around $3,790. 16-year-old drivers receive the highest rates at up to $6,400 a year.
Average premium for full coverage: $1,738
Rate estimates by individual coverage type:
Full coverage includes $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different GS F trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as low as $508 for just liability coverage to a much higher rate of $3,790 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates how where you live affects car insurance rates.
These examples highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using 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.
Detailed Rate Analysis
The chart below breaks down average Lexus GS F insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $973
- Raising to $1,000 deductibles will save around $256 every year
- The average rate for a 40-year-old driver with $500 deductibles is $1,738
- Buying more expensive low deductibles will increase the cost to $2,236
- At-risk drivers with multiple tickets or accidents could pay upwards of $3,790
- The cost for full coverage for a teen driver with full coverage may cost $6,400
Car insurance rates for a Lexus GS F can also vary considerably based on your driver profile, the model of your GS F, and policy deductibles and limits.
An older driver with no driving violations and high deductibles may pay as little as $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $6,400 a year. View Rates by Age
Where you live 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 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $2,100 to $2,800 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 135% more than the average rate. View High Risk Driver Rates
| 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 More Affordable Lexus GS F Insurance
Saving money on car insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at least once a year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following is a summary of the primary concepts that were touched on in the above illustrations.
- You may be able to save as much as $220 per year just by shopping early and online
- Higher risk drivers who have multiple accidents or major violations may pay on average $2,050 more each year for GS F insurance
- Increasing deductibles can save around $750 each year
- Teens are expensive to insure, as much as $533 per month if full coverage is included
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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