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Best Lexus GS 350 Insurance Rates [Rates + Comparison Guide]

Getting Lexus GS 350 insurance quotes will cost on average $130 per month ($1,558 per year). Shop around to find cheap Lexus GS 350 insurance rates. On average, Lexus GS 350 comprehensive insurance coverage costs $379, collision coverage costs $554, and liability coverage costs $440.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 19, 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

Lexus GS 350 insurance rates are a little bit more than the average vehicle with full coverage costing around $1,558 a year or $130 a month. The driver of an older Lexus GS 350 may choose to carry liability-only which costs about $625 a year or $52 a month.

Good drivers can save up to $642 a year in policy discounts for being safe on the road. Let’s take a look at Lexus GS 350 insurance rates, insurance loss rates, and more.

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 Lexus GS 300, Lexus ES 350, and Jaguar XE.

Vehicle Comprehensive Collision Liability Total
Lexus GS 350 $370 $714 $338 $1,558
Lexus GS 300 $344 $656 $338 $1,474
Lexus ES 350 $362 $656 $316 $1,470
Jaguar XE $382 $774 $398 $1,712
Acura TLX $332 $686 $398 $1,574
Audi A7 $406 $834 $398 $1,796
Mercedes-Benz C300 $404 $718 $372 $1,652

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

The average Lexus GS 350 auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Lexus GS 350 cost $1,558, while 2010 Lexus GS 350 rates 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

Driver Age

Driver age can have a significant impact on Lexus GS 350 auto insurance rates. For example, 20-year-old drivers pay approximately $1,905 more each year for their Lexus GS 350 auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Lexus GS 350 insurance rates. For example, drivers in Jacksonville may pay $935 a year more than drivers in Indianapolis.

Your Driving Record

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

Lexus GS 350 Safety Ratings

Your Lexus GS 350 auto insurance rates are influenced by the Lexus GS 350’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety

Lexus GS 350 Crash Test Ratings

Lexus GS 350 crash test ratings will affect your Lexus GS 350 car 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

Lexus GS 350 Safety Features

The Lexus GS 350 safety features can help lower insurance costs. According to US News, the 2020 Lexus GS 350 has the following safety features:

  • Pedestrian detection
  • Lane departure warning
  • Adaptive cruise control
  • Rearview camera
  • Rain-sensing windshield wipers

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

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 coverage options including comprehensive coverage, so be sure to shop around and compare Lexus GS 350 car insurance rates from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Lexus GS 350 Insurance

You have more options at your disposal to save money on your Lexus GS 350 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Lexus GS 350 car insurance rates

  • Buy Your Lexus GS 350 with Cash, or Get a Shorter-Term Loan
  • Buy a Dashcam for Your Lexus GS 350
  • Tell Your Insurer About Different Drivers or Uses for Your Lexus GS 350
  • Ask About Lexus GS 350 Safety Discounts
  • Avoid the Temptation to File a Claim for Minor Incidents

Top Lexus GS 350 Insurance Companies

Who is the top auto 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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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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