Lexus GS F Insurance Rates

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UPDATED: Apr 25, 2024

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The average insurance rates for a Lexus GS F are $1,738 a year with full coverage. Comprehensive insurance costs an estimated $372 each year, collision costs $752, and liability costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing $3,790 or more. Teen 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

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and GS F models.

Price Range Variability

For the average 40-year-old driver, Lexus GS F insurance rates go from as low as $508 for just liability coverage to a high rate 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

Where you live can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates the difference location can make on insurance prices.

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

The examples above demonstrate why all drivers should compare prices for a targeted area and risk profile, instead of using price 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 details estimated Lexus GS F insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $973
  • Using higher $1,000 deductibles will save approximately $256 annually
  • The average rate for a good driver age 40 who has $500 deductibles is $1,738
  • Choosing low deductibles for physical damage coverage will cost an extra $498 every year
  • Drivers with multiple violations and an at-fault accident could pay up to $3,790 or more
  • Policy cost for full coverage for a teen driver can cost as much as $6,400 or more

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 your risk profile, the trim level and model year, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $6,400 a year. View Rates by Age

Your home state has a huge impact on Lexus GS F insurance prices. A driver around age 40 might see rates as low as $1,250 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,340 on average in New York, Michigan, and Florida.

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

Choosing high deductibles could cut rates by as much as $760 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $2,100 to $2,800 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 Find Cheaper Lexus GS F Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, not filing small claims, and not having any coverage lapses. Make time to compare rates at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save approximately $220 per year simply by quoting online in advance
  • Higher risk drivers with multiple at-fault accidents may pay on average $2,050 more annually to insure their GS F
  • Increasing comprehensive and collision deductibles can save around $750 each year
  • Teen drivers have the highest car insurance rates, as much as $533 each month if full coverage is included

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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