Lexus GS Car Insurance: How Much Should You Expect to Pay?

The average car insurance rate for a Lexus GS averages out to be around $208 a month. Our latest guide will provide the information you need to know about how much auto insurance carriers might charge you to insure your Lexus GS.

Quick Facts

  • A Lexus GS is more expensive to insure compared to the average car.
  • Liability car insurance for a GS runs around $79 per month, while full coverage usually tends to be about $193.
  • At as low as $27 monthly for liability only coverage, CaliforniaCasualty is the most affordable auto insurance carrier for a GS.

GS Overview

The Lexus GS is a mid-level car with broad appeal, with 2020 models coming in with a base MSRP of $51,065. You'll have your choice of four different trim levels, so you'll be sure to find an option to fit your style.

We ran through thousands of insurance quotes on Compare.com, and we've determined that, on average, Lexus GS car insurance rates run around $208 a month. Where does that fall compared to the rest of the market?

Current Base Price$51,065
Body Style(s)Car
Trim LevelsGS-F, 350 BASE/350 F-SPORT, 350 F-SPORT, 350 BASE
Average Insurance Premium$208/mo.
Cheapest Insurance CompanyCaliforniaCasualty

How Much is Car Insurance for a Lexus GS?

Vehicle Liability Only Full Coverage
Lexus GS$79$193
All Lexus Models$79$173
All Cars$83$177
Average Insurance Premium$81$169

Looking at the table above, you'll find that when you compare the Lexus GS to other vehicles, insurance prices are above average. GS owners can expect to pay about $193 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $79 per month for liability only insurance (find out more about the difference with our guide "State Minimum vs. Full Coverage").

Compared to other models, the GS is more expensive, with premiums around 12% higher than other vehicles in Lexus's lineup. Compared to offerings from other brands, auto insurance for a GS runs close to average, with liability insurance prices $4 cheaper than other cars and full coverage insurance rates coming in $16 higher.

Compared to all vehicles, regardless of body style, model, or make, liability only premiums are slightly cheaper for a GS, but run higher than average for full coverage policies.

See what you'll pay in just minutes

Who has the Cheapest Car Insurance for a Lexus GS?

Insurance Company Average Monthly Premium
CaliforniaCasualty$27
Mapfre$31
Hugo$38
Mile Auto$39
Shelter Mutual$40

Looking for a car insurance policy for your Lexus GS? You may be wondering which company offers the lowest prices. While rates can differ quite dramatically from between drivers, the lowest average rates for liability only insurance are sometimes as little as $27 a month from CaliforniaCasualty. With car insurance sometimes as cheap as $31 monthly, Mapfre is the next cheapest insurance carrier.

Rounding out the list are Hugo, Mile Auto, and Shelter Mutual. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance carriers take a whole range of factors into consideration when offering you rates. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from many auto insurance companies.

See what you'll pay in just minutes

What Factors Affect Car Insurance Rates for a Lexus GS?

There are numerous things that car insurance carriers use to determine how much to charge you for a policy -- and every company weighs certain attributes more than others, so there's not a single carrier that's the cheapest for everyone.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$51
2-3 Years$91
4-5 Years$91
6-7 Years$93
8-10 Years$81
11-14 Years$75
15 Years or Older$77

The Lexus GS has been around for a while, so vehicle age will likely play a role in what you end up paying for insurance. Typically, newer cars are going to cost more to insure because they're worth more, however, as time goes on and GSs begin to depreciate, insurance costs will gradually get lower.

Based on the above table, the Lexus GS is not quite in line with this trend, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive GSs are 6 to 7 years old.

Your Age

Age Average Monthly Premium

How old you are plays a big role in how much you pay for auto insurance. As you can see in the table above, those with more experience pay less for insurance compared to younger drivers. Lexus GS drivers under 18 actually pay $59 more than those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 65 years and older making up the cheapest age group for the GS.

Your Gender

Gender Average Monthly Premium
Male$83
Female$71

Because women are less likely to get into accidents and get speeding tickets, they have a decreased chance of filing a claim with insurance. So, insurance companies will often charge women less than men. The Lexus GS follows this convention, and women pay about $12 less than men per month for car insurance.

Where You Live

State Average Monthly Premium
California$57
Florida$132
Georgia$111
Illinois$60
New York$216
North Carolina$42
Ohio$50
Pennsylvania$60
Texas$63
Virginia$55

You might already know that things such as how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live has just as much of an impact? Insurance is regulated at the state level, so prices vary quite a bit from state to state.

For example, the average Lexus GS owner from New York pays around $216 monthly for liability coverage. Meanwhile, the same driver from California will pay less than 50% of that price, on average. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change from state to state.

See what you'll pay in just minutes

Lexus GS Car Insurance Discounts

No matter your car, your home state, or your age, it's always the smart move to take advantage of as many insurance discounts as possible.

Not every car insurance company will offer the same discounts, but there are a few that are relatively common. These include discounts like:

  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
  • Defensive driving discounts for taking a defensive driving class from an accredited school or institution
  • Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
  • Pay-in-full discounts for agreeing to pay your entire policy premium at once, rather than by monthly payments

While taking advantage of discounts is always a smart way to save money on your insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

While you can't control every single aspect of your auto insurance profile (like some of the factors we mentioned above), there is quite a bit that you do have control over. Below are just a few of the factors you can use to your favor in order to save on car insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$105
Multiple Accidents$144
1 Ticket$88
Multiple Tickets$113

You've no doubt noticed ads from auto insurance carriers offering big discounts for good drivers. And you're probably not surprised to hear that your car insurance prices will go up if you get into an accident or get speeding tickets. But how much will they cost you?

If you look at the table above, you'll notice that accidents will usually cost GS drivers more than tickets, but both will result in higher than normal rates. Lexus GS drivers with one ticket will pay about $88 a month, while drivers with a single accident on their record pay an average of $105 per month (up $26 from the $79/mo. overall average). The rates only go higher the more collisions you have or tickets you get.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$103
2,501-5,000 Miles$81
5,001-7,500 Miles$77
7,501-10,000 Miles$80
10,000+ Miles$73

Another variable that affects your insurance premiums is the total distance you drive annually. Drivers who are on the roads less are less likely to get into collisions, so they'll generally be offered more affordable prices. Above, you can see that Lexus GS owners who drive more than 10,000 miles each year pay about $73 per month for auto insurance, while those who put less than 2,500 miles on their cars pay $103.

If you drive a limited amount, you might consider getting a usage-based or pay-per-mile car insurance policy. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

See what you'll pay in just minutes

How Do Lexus GSs Compare to Other Vehicles?

If you're considering buying a new car and a Lexus GS is on your shortlist, you might want to know how it compares to other cars. Car insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering carefully.

Take a look at the table below to see how the Lexus GS stacks up:

Lexus GS National Average
Liability Insurance-$81
Full Coverage Insurance$181$169
Base MSRP$51,395$46,547
Average Annual Mileage13,03211,617

Overall, the Lexus GS has an MSRP that's on par with the going rate for a new vehicle. The GS's $46,547 base MSRP is right on trend with the national average of $51,395.

Full coverage insurance for a Lexus GS is about $12 per month more than average, while liability only coverage is a month.

When it comes to usage, Lexus GS drivers are much higher than the national average in annual miles driven, with 11,617 miles every year for all vehicles compared to the GS's 13,032 a year.

Lexus GS Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect how much you might pay for insurance. If you're in thinking about buying a new car, truck, or SUV and the GS is on your wishlist, knowing what you can expect to pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2019 Lexus GS Car Insurance

   
Liability Only Avg. Premium$46
Full Coverage Avg. Premium$233
Base MSRP$46,860
Cheapest Insurance CompanySafeAuto - $39/mo.
Available Trims300 BASE/300 F-SPORT, 350 BASE/350 F-SPORT, GS-F

You can expect full coverage for a 2019 GS to run around $233 per month, while liability only coverage will average about $46 monthly.

SafeAuto has prices as little as $39 a month for the 2019 Lexus GS.

If you want to know exactly how much you can expect to pay for your GS, get free quotes in minutes by just entering your ZIP code below.

See what you'll pay in just minutes

2018 Lexus GS Car Insurance

   
Liability Only Avg. Premium$110
Full Coverage Avg. Premium$243
Base MSRP$46,510
Cheapest Insurance CompanyAspire - $45/mo.
Available Trims300 BASE/300 F-SPORT, 350 BASE/350 F-SPORT, 450H BASE/450H F-SPORT, GS-F

2018 Lexus GS drivers can expect to pay an average of $110 per month for liability or $243 for full coverage.

We found Aspire offered the most affordable policy, with rates as little as just $45 monthly.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

See what you'll pay in just minutes

2017 Lexus GS Car Insurance

   
Liability Only Avg. Premium$94
Full Coverage Avg. Premium$244
Base MSRP$46,310
Cheapest Insurance CompanyHugo - $23/mo.
Available Trims200T BASE/200T F-SPORT, 350 BASE/350 F-SPORT, 450H BASE/450H F-SPORT, GS-F

On average, drivers who own a 2017 GS can expect to pay $94 to $244 per month for liability only and full coverage insurance, respectively.

Hugo offered the lowest policy we found, with rates as low as just $23 monthly.

Interested in just how much you'll pay? Just enter your ZIP code below to get several customized quotes for free.

See what you'll pay in just minutes

2016 Lexus GS Car Insurance

   
Liability Only Avg. Premium$110
Full Coverage Avg. Premium$235
Base MSRP$45,615
Cheapest Insurance CompanyMercury - $29/mo.
Available Trims200T BASE/200T F-SPORT, 350, 350 BASE/350 F-SPORT, 450H, GS-F

It costs around $110 a month for liability or $235 for a full coverage policy for the 2016 Lexus GS.

With premiums as cheap as just $29 monthly, Mercury offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

See what you'll pay in just minutes

2015 Lexus GS Car Insurance

   
Liability Only Avg. Premium$111
Full Coverage Avg. Premium$226
Base MSRP$48,600
Cheapest Insurance CompanyCaliforniaCasualty - $19/mo.
Available Trims350, 450H

The average cost to insure a 2015 GS with liability only coverage is $111 per month, while full coverage runs about $226 a month.

With rates as cheap as $19 per month, CaliforniaCasualty offered the most affordable policy we found for the 2015 Lexus GS.

If you want to know exactly how much you can expect to pay for your GS, just enter your ZIP code below and get several free quotes in minutes.

See what you'll pay in just minutes

2014 Lexus GS Car Insurance

   
Liability Only Avg. Premium$81
Full Coverage Avg. Premium$202
Base MSRP$47,700
Cheapest Insurance CompanyMetLife - $27/mo.
Available Trims350, 450H

You can expect full coverage for a 2014 Lexus GS to run around $202 a month, while liability only coverage will average about $81 monthly.

If you're looking for the most affordable 2014 Lexus GS insurance policy, MetLife offered the cheapest policy we found, with rates sometimes as low as $27 per month.

Interested in what your auto insurance rate could look like? Just enter your ZIP code below to get lots of free personalized quotes.

See what you'll pay in just minutes

2013 Lexus GS Car Insurance

   
Liability Only Avg. Premium$83
Full Coverage Avg. Premium$201
Base MSRP$47,250
Cheapest Insurance CompanyMetLife - $23/mo.
Available Trims350, 450H

It costs around $83 a month for liability or $201 for a full coverage policy for the 2013 GS.

Looking for the most affordable policy? MetLife offered liability only coverage for as cheap as just $23 monthly.

If you want to find the best premiums for insurance for a 2013 Lexus GS, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

See what you'll pay in just minutes

2011 Lexus GS Car Insurance

   
Liability Only Avg. Premium$163
Full Coverage Avg. Premium$219
Base MSRP$46,900
Cheapest Insurance CompanyAspire - $31/mo.
Available Trims350, 450H, 460

The average cost to insure a 2011 Lexus GS with liability only coverage is $163 a month, while full coverage runs about $219 per month.

Aspire has rates sometimes as low as $31 monthly for the 2011 Lexus GS.

Interested in what your car insurance premium will be? Enter your ZIP code below to get multiple free personalized quotes.

See what you'll pay in just minutes

2010 Lexus GS Car Insurance

   
Liability Only Avg. Premium$78
Full Coverage Avg. Premium$195
Base MSRP$45,600
Cheapest Insurance CompanyWorkmens - $21/mo.
Available Trims350, 450H, 460

On average, drivers who own a 2010 GS can expect to pay $78 to $195 a month for liability only and full coverage auto insurance, respectively.

We found Workmens offered the lowest policy, with rates as low as $21 monthly.

If you want to find the best prices for car insurance for a 2010 Lexus GS, enter your ZIP code below and compare a wide array of personalized quotes in just a few minutes.

See what you'll pay in just minutes

2009 Lexus GS Car Insurance

   
Liability Only Avg. Premium$75
Full Coverage Avg. Premium$185
Base MSRP$45,000
Cheapest Insurance CompanySafeAuto - $16/mo.
Available Trims350, 450H, 460

2009 Lexus GS drivers can expect to pay an average of $75 per month for liability or $185 for full coverage.

SafeAuto offered the most affordable policy we found, with rates as cheap as $16 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

See what you'll pay in just minutes

2008 Lexus GS Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$159
Base MSRP$44,550
Cheapest Insurance CompanyElephant - $23/mo.
Available Trims350, 450H, 460

On average, drivers who own a 2008 GS can expect to pay $72 to $159 monthly for liability only and full coverage auto insurance, respectively.

With premiums as little as $23 per month, Elephant offered the cheapest policy we found.

Want to know exactly how much you'll pay? Get a variety of personalized quotes for free by just entering your ZIP code below.

See what you'll pay in just minutes

Lexus GS Insurance FAQs

Is a Lexus GS expensive to insure?

Liability insurance runs an average of $79 monthly, while full coverage will cost you around $193. When compared to the national average of all vehicles, rates come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my Lexus GS?

There's only one way to be sure you're getting the lowest rates -- regularly shopping around and comparing quotes from quite a few companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a bunch of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lexus GS affect my insurance rates?

You've probably heard the old adage that red cars cost more to insure, but that's simply not true. Even though there are lots of things insurance companies use when they calculate how much you'll pay, the color of your car is not factored into that equation.

Do I need to have insurance before I buy a Lexus GS?

You'll need to have valid car insurance for your GS before you can legally drive your it off the dealership lot. Some dealerships might offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a an car is to let your auto insurance carrier know ahead of time.

What car insurance discounts can I get for my Lexus GS?

There are a bunch of discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your Lexus GS and more on you, but if your GS has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to talk with your insurance agent and ask about which discounts they offer, since they change quite a bit from carrier to carrier.

Find your best rate in just a few minutes