Lexus GS 300 Insurance Rates [Coverage Guide]

If you want to buy inexpensive Lexus GS 300 insurance coverage then you should know that a policy will cost $123 per month ($1,474 per year) on average. On average, comprehensive coverage costs $359, collision coverage costs $524, and liability coverage costs $416 for Lexus GS 300 insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 31, 2020

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Key Takeaways:

  • Full coverage costs around $1,474 a year or $123 each month
  • A liability-only policy costs around $591 a year or $49 each month
  • Highest rates are for teenage drivers at around $5,387 a year or $449 each month
  • Good drivers can save as much as $608 a year by earning policy discounts
  • Lexus GS 300 insurance costs around $45 less per year than the average vehicle

The average Lexus GS 300 car insurance rates amount to $1,474 a year, or about $123 every month. While there are several elements that influence Lexus GS 300 rates, some of the most important include the driver’s age, location, and personal driving record.

Be sure to read through this article to educate yourself on all there is to know about Lexus GS 300 insurance rates so you can compare offers from companies with confidence.

You can start comparing quotes for Lexus GS 300 car insurance rates from some of the best car insurance companies by using our free online tool now.

Lexus GS 300 Insurance Cost

The average Lexus GS 300 auto insurance rates are $1,474 a year or $123 a month.

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Are Lexus GS 300s Expensive to Insure?

The chart below details how Lexus GS 300 insurance rates compare to other luxury cars like the Cadillac CT6, Audi A4, and Volvo S60.

Vehicle Comprehensive Collision Liability Total
Lexus GS 300 $344 $656 $338 $1,474
Cadillac CT6 $382 $774 $398 $1,712
Audi A4 $332 $656 $398 $1,544
Volvo S60 $332 $656 $398 $1,544
Audi S8 $658 $1368 $398 $2,582
Audi A6 $382 $744 $398 $1,682
Audi A7 $406 $834 $398 $1,796
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However, there are a few things you can do to find the cheapest Lexus insurance rates online.

What Impacts the Cost of Lexus GS 300 Insurance?

The Lexus GS 300 trim and model you choose can impact the total price you will pay for Lexus GS 300 insurance coverage.

Age of the Vehicle

Older Lexus GS 300 models generally cost less to insure. For example, car insurance for a 2018 Lexus GS 300 costs $1,474, while older Lexus GS 300 insurance costs are cheaper.

Model Year Comprehensive Collision Liability Total
2018 Lexus GS 300 $344 $656 $338 $1,474
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Driver Age

Driver age can have a significant effect on Lexus GS 300 car insurance rates. As an example, a 30-year-old driver pays around $65 more each year for their Lexus GS 300 car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Lexus GS 300 insurance rates. For example, drivers in New York may pay $899 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on your Lexus GS 300 auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Lexus GS 300 car insurance with violations on their driving record.

Lexus GS 300 Safety Ratings

The Lexus GS 300’s safety ratings will affect your Lexus GS 300 auto insurance rates. See the chart below:

Test Type Rating
Moderate overlap front Good
Side Good
Roof strength Marginal
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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Lexus GS 300 Safety Features

Good Lexus GS 300 safety features can result in insurers giving you car insurance discounts. The safety features for the Lexus GS 300 are:

  • 4-wheel anti-lock brakes
  • Driver/front passenger airbags
  • Front/rear side-curtain airbags
  • Front seat-mounted side-impact airbags
  • Front knee airbags
  • Force-limiting seat belts for all outboard seating positions
  • 3-point belts for all seating positions
  • Automatic locking retractor (ALR) & emergency locking retractor (ELR) seat belts
  • Vehicle stability control system (VSC)
  • Front/rear energy managing crumple zones
  • Impact-dissipating upper interior trim
  • Brake pedal regression prevention mechanism
  • Daytime running lights

Lexus GS 300 Finance and Insurance Cost

If you are financing a Lexus GS 300, you will pay more if you purchase Lexus GS 300 auto insurance at the dealership, so be sure to shop around and compare Lexus GS 300 auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Lexus GS 300 Insurance

Although it may seem like your Lexus GS 300 car insurance rates are set, there are a few measures that you can take to secure the best Lexus GS 300 car insurance rates possible. Take a look at the following five ways to save on Lexus GS 300 auto insurance.

  • Avoid the Temptation to File a Claim for Minor Incidents
  • Tell Your Insurer About Different Drivers or Uses for Your Lexus GS 300
  • Take Public Transit Instead of Driving Your Lexus GS 300
  • Ask About Student Discounts
  • Move to the Countryside

Top Lexus GS 300 Insurance Companies

Who is the top car insurance company for Lexus GS 300 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lexus GS 300 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lexus GS 300 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Average Monthly Car Insurance Rates by State