Are Lexus GS 350s Expensive to Insure? [List of Money Saving Tips]

Average Lexus GS 350 insurance rates cost $1,558 a year, or $130 a month. On average, Lexus GS 350 comprehensive insurance coverage costs $379, collision coverage costs $554, and liability coverage costs $440. Lexus GS 350 insurance costs around $39 more per year than the average vehicle. Good drivers can save up to $642 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 about $39 more per year than the average vehicle with full coverage costing around $1,558 a year or $130 a month. Teens have the highest rates of around $5,694 a year or $475 a month.

Good drivers can save up to $642 a year in policy discounts by staying safe and claim-free. Let’s 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 auto insurance rates for a Lexus GS 350 cost $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 A6, Mercedes-Benz E300, and Lexus IS 300.

Vehicle Comprehensive Collision Liability Total
Lexus GS 350 $370 $714 $338 $1,558
Audi A6 $382 $744 $398 $1,682
Mercedes-Benz E300 $394 $744 $338 $1,612
Lexus IS 300 $356 $686 $398 $1,598
Mercedes-Benz S450 $494 $982 $398 $2,032
Volvo S90 $356 $714 $398 $1,626
Audi S8 $658 $1,368 $398 $2,582
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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 can impact 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 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 effect on the cost of Lexus GS 350 car insurance. For example, 30-year-old drivers pay approximately $69 more for their Lexus GS 350 car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Lexus GS 350 insurance rates. For example, drivers in Los Angeles may pay $223 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Lexus GS 350 car insurance. 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
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Lexus GS 350 Crash Test Ratings

Good Lexus GS 350 crash test ratings can lower your Lexus GS 350 auto insurance rates. See Lexus GS 350 crash test results below:

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

Lexus GS 350 safety features can lower the cost of your insurance. The safety features for the 2020 Lexus GS 350 include:

  • Lexus Enform safety connect
  • Lexus dynamic handling system including dynamic rear steering
  • Blindspot monitor
  • Vehicle dynamics integrated management (VDIM)
  • Brake system
  • Led taillamps
  • Intuitive parking assist
  • Led headlamps and led daytime running lights

Lexus GS 350 Insurance Loss Probability

The Lexus GS 350’s insurance loss probability varies for each form of coverage. The lower percentage means lower Lexus GS 350 auto insurance rates; higher percentages mean higher Lexus GS 350 car insurance rates.

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, you will pay more if you purchase Lexus GS 350 car insurance at the dealership, so be sure to shop around and compare Lexus GS 350 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Lexus GS 350 Insurance

There are several ways you can save even more on your Lexus GS 350 car insurance rates. Take a look at the following five tips:

  • Ask for a New Lexus GS 350 Auto Insurance Rate Based on Your Improved Credit Score
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
  • Carpool to Work Instead of Driving Your Lexus GS 350
  • Compare Lexus GS 350 Quotes Online
  • Move to the Countryside

Top Lexus GS 350 Insurance Companies

Who is the best 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 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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Compare Free Lexus GS 350 Insurance Quotes Online

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

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