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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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:
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.
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.
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
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.
| 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% |
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.
| 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
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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