Lexus GS 350 Insurance Rates [How to Find Low Rates Online]

If you want to buy cheap Lexus GS 350 insurance coverage then you should know that a policy will cost $130 per month ($1,558 per year) on average. Mature drivers with good driving records may find rates as low as $916 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: Oct 27, 2020

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Key takeaways:

  • Full coverage costs around $1,558 a year or $130 each month
  • A liability-only policy costs around $625 a year or $52 each month
  • Highest rates are for teenage drivers at around $5,694 a year or $475 each month
  • Good drivers can save as much as $642 a year by earning policy discounts
  • Lexus GS 350 insurance costs around $39 more per year than the average vehicle

Don’t stress over Lexus GS 350 insurance rates. Good drivers can save as much as $642 a year by earning policy discounts. Learn more about insurance rates for a Lexus GS 350 and how to save in our comprehensive guide.

You can start comparing quotes for Lexus GS 350 car insurance rates from some of the best car insurance companies by using our free online tool now.

Lexus GS 350 Insurance Cost

The average Lexus GS 350 auto insurance costs are $1,558 a year or $130 a month.

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Are Lexus GS 350s Expensive to Insure?

The chart below details how Lexus GS 350 insurance rates compare to other luxury cars like the Audi A4, Audi S8, and Lexus GS 300.

Vehicle Comprehensive Collision Liability Total
Lexus GS 350 $370 $714 $338 $1,558
Audi A4 $332 $656 $398 $1,544
Audi S8 $658 $1368 $398 $2,582
Lexus GS 300 $344 $656 $338 $1,474
Lexus ES 350 $362 $656 $316 $1,470
Jaguar XE $382 $774 $398 $1,712
BMW M3 $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 350 Insurance?

The Lexus GS 350 trim and model you choose will affect the total price you will pay for Lexus GS 350 insurance coverage.

Age of the Vehicle

Older Lexus GS 350 models generally cost less to insure. For example, car insurance for a 2018 Lexus GS 350 costs $1,558, while a 2010 Lexus GS 350 insurance costs are $1,226, a difference of $332.

Model Year Comprehensive Collision Liability Total
2018 Lexus GS 350 $370 $714 $338 $1,558
2017 Lexus GS 350 $356 $698 $354 $1,544
2016 Lexus GS 350 $344 $668 $364 $1,512
2015 Lexus GS 350 $326 $646 $376 $1,484
2014 Lexus GS 350 $312 $598 $384 $1,430
2013 Lexus GS 350 $300 $564 $388 $1,388
2011 Lexus GS 350 $270 $466 $390 $1,262
2010 Lexus GS 350 $260 $436 $394 $1,226
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Driver Age

Driver age can have a significant impact on Lexus GS 350 auto insurance rates. For instance, a 30-year-old driver may pay $69 more each year for Lexus GS 350 auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Lexus GS 350 insurance rates. For example, drivers in New York may pay $951 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Lexus GS 350 auto insurance. Teens and drivers in their 20’s see the highest jump in their Lexus GS 350 auto insurance rates with violations on their driving record.

Lexus GS 350 Safety Ratings

Your Lexus GS 350 car insurance rates are tied to the safety ratings of the Lexus GS 350. 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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Lexus GS 350 Crash Test Ratings

Not only do good Lexus GS 350 crash test ratings mean you are better protected in a crash, but good Lexus GS 350 crash ratings also mean cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Lexus GS 350 4 DR RWD N/R N/R N/R N/R
2020 Lexus GS 350 4 DR AWD 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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Lexus GS 350 Safety Features

The more safety features you have on your Lexus GS 350, the more likely it is that you can earn a discount. The Lexus GS 350’s safety features include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Safety Connect Emergency Sos
  • Blind Spot Sensor
  • Rear Collision 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

Lexus GS 350 Insurance Loss Probability

Another contributing factor that affects Lexus GS 350 car insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision 60%
Property Damage -22%
Comprehensive 90%
Personal Injury -19%
Medical Payment 7%
Bodily Injury -21%
Source: Insurance Institute for Highway Safety
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Lexus GS 350 Finance and Insurance Cost

If you are financing a Lexus GS 350, most lenders will require your carry higher Lexus GS 350 coverages including comprehensive coverage, so be sure to compare Lexus GS 350 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Lexus GS 350 Insurance

You can save more money on your Lexus GS 350 auto insurance rates by employing any of the following five strategies.

  • Ask About Loyalty Discounts
  • Start Searching for New Lexus GS 350 Car Insurance a Month Before Your Renewal
  • Understand that Insurance Companies Can’t Change Your Lexus GS 350 Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Take a Refresher Course as an Older Driver
  • Understand that Your Insurer Can Change Your Lexus GS 350 Auto Insurance Rates Mid-Term for Other Reasons

Top Lexus GS 350 Insurance Companies

Who is the top car insurance company for Lexus GS 350 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lexus GS 350 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lexus GS 350 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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