What is the Best Car Insurance for a Lexus GS 350?

If you want to buy inexpensive Lexus GS 350 insurance coverage then you should know that a policy will cost $130 per month ($1,558 per year) on average. Teens pay the highest rates at up to $5,694 a year, while good drivers may only pay $916.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 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 slightly more than the average vehicle. Full coverage costs about $1,558 a year or $130 a month. Good drivers can save up to $642 a year in policy discounts for being safe on the road. Let’s take a quick look at Lexus GS 350 insurance rates, insurance losses, 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 S7, Lexus ES 350, and Mercedes-Benz C300.

Vehicle Comprehensive Collision Liability Total
Lexus GS 350 $370 $714 $338 $1,558
Audi S7 $532 $1,250 $398 $2,338
Lexus ES 350 $362 $656 $316 $1,470
Mercedes-Benz C300 $404 $718 $372 $1,652
Porsche Panamera $520 $1,042 $398 $2,118
Audi S8 $658 $1,368 $398 $2,582
Mercedes-Benz S450 $494 $982 $398 $2,032
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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?

Even though the average annual rate for the Lexus GS 350 is $1,558, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Lexus GS 350.

Age of the Vehicle

The average Lexus GS 350 car insurance rates are higher for newer models. 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, a 20-year-old driver could pay around $159 more each month for their Lexus GS 350 car insurance than a 30-year-old driver.

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 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 auto insurance rates are tied to 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 mean the VW is safer, which could mean cheaper 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
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Lexus GS 350 Safety Features

Most drivers don’t realize that not only do Lexus GS 350 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Lexus GS 350 auto insurance rates. The Lexus GS 350’s safety features include:

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

Lexus GS 350 Insurance Loss Probability

Review the Lexus GS 350 car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Lexus GS 350 auto insurance costs; higher percentages mean higher Lexus GS 350 auto insurance costs.

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 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.

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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

  • Pay Your Bills On Time — Especially Lexus GS 350 Payments and Insurance
  • Purchase a Roadside Assistance Program for Your Lexus GS 350
  • Re-Check Lexus GS 350 Quotes Every 6 Months
  • Ask Your Insurance Company About Lexus GS 350 Discounts
  • Compare Lexus GS 350 Quotes for Free Online

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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Compare Free Lexus GS 350 Insurance Quotes Online

Save money by comparing Lexus GS 350 insurance rates with free quotes online now!

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