Lexus GS 300 Car Insurance [Everything You Need to Know]

Average Lexus GS 300 car insurance rates cost $123 per month ($1,474 per year). Mature drivers with good driving records may find rates as low as $866 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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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

There’s no need to stress about Lexus GS 300 insurance rates. Good drivers can save as much as $608 a year by earning policy discounts. Our guide goes over insurance rates for a Lexus GS 300 in detail, so drivers can better understand how to save.

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.

How much does 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 Mercedes-Benz S450, Jaguar XE, and Cadillac CT6.

Vehicle Comprehensive Collision Liability Total
Lexus GS 300 $344 $656 $338 $1,474
Mercedes-Benz S450 $494 $982 $398 $2,032
Jaguar XE $382 $774 $398 $1,712
Cadillac CT6 $382 $774 $398 $1,712
Porsche Panamera $520 $1042 $398 $2,118
Audi S6 $444 $894 $398 $1,894
Jaguar XF $406 $804 $398 $1,766
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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?

You might have noticed that there is a multitude of factors that impact Lexus GS 300 car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Lexus GS 300.

Keep in mind that these are far from the only factors that impact your rate though, as there’s a huge credit score impact.

Age of the Vehicle

Older Lexus GS 300 generally cost less to insure. Not only do previous models have a more affordable price for the base price, but insurance premiums are far lower. For example, auto insurance for a 2018 Lexus GS 300 costs $1,474.

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 the cost of Lexus GS 300 car insurance. For example, 30-year-old drivers pay approximately $65 more for their Lexus GS 300 car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Lexus GS 300 insurance rates. For example, drivers in New York may pay $383 a year more than drivers in Chicago.

Your Driving Record

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

What are Lexus GS 300 safety ratings?

Your Lexus GS 300 auto insurance rates are tied to the Lexus GS 300’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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What are Lexus GS 300 crash test ratings?

Lexus GS 300 crash test ratings can impact your Lexus GS 300 car insurance rates. See Lexus GS 300 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Lexus GS 300 N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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What are the Lexus GS 300 safety features?

The Lexus GS 300 safety features can help lower insurance costs. The Lexus GS 300 has the following safety features:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Emergency SOS
  • Blind Spot Monitor Blind Spot
  • Lexus Safety System
  • Rear Cross Traffic Alert
  • Lane Departure Alert (LDA) with Steering Assist Lane Keeping Assist
  • Lane Departure Alert (LDA) with Steering Assist Lane Departure Warning
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag and Rear Side-Impact Airbag
  • Rear Child Safety Locks
  • First Aid Kit
  • Outboard Front Lap And Shoulder Safety Belts
  • Back-Up Camera

How much does 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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What are some ways to save on Lexus GS 300 insurance?

If you want to reduce the cost of your Lexus GS 300 insurance rates, follow these tips below:

  • Work with a Direct Insurer Instead of an Insurance Broker for Your Lexus GS 300
  • Consider Ride Sharing Services to Lower Your Lexus GS 300 Mileage
  • Tell Your Insurer How You Use Your Lexus GS 300
  • Wait Six Years for Accidents to Disappear from Your Record
  • Ask About Farm and Ranch Vehicle Discounts

What are the top Lexus GS 300 insurance companies?

Who is the best auto 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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How can you compare free Lexus GS 300 insurance quotes online?

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.

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