Lexus GS 300 Car Insurance Calculator

Watch in real-time how life choices influence insurance rates for a Lexus GS 300. Adjust factors such as vehicle usage, driver gender, marital status, and the state you live in. Know immediately if rates increase or decrease with changes you make.

The average estimated car insurance premium for a 2019 Lexus GS 300 is $2,368 per year, or about $197 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,368

Cost Per Month

$197

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus GS 300 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Lexus GS 300.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,368
Average Rate
Your Rate
$2,368

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Lexus GS 300.

The 'Average Rate' is a combined value for all Lexus GS 300 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2019 Lexus GS 300 is $2,368.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2019 Lexus GS 300 Segment Comparison

The table below compares insurance rates for the 2019 Lexus GS 300 against all other models in the midsize luxury car segment. The Lexus GS 300 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus GS 300, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus GS 300.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2019 Lexus GS 300 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,850-$518
2Lexus IS 300$2,006-$362
3Lexus RC 300$2,094-$274
4Lexus ES 350$2,140-$228
5Lincoln MKZ$2,166-$202
6Mercedes-Benz SLC300$2,188-$180
7Mercedes-Benz AMG CLA45$2,198-$170
8Audi A3$2,236-$132
9Mercedes-Benz CLA250$2,260-$108
10Audi S5$2,264-$104
11Mercedes-Benz E300$2,274-$94
12Genesis G80$2,290-$78
13Lexus ES 300H$2,312-$56
14BMW 430i$2,328-$40
15Lexus GS 300$2,368--
16Audi A6$2,378$10
17Audi S4$2,390$22
18Lexus GS 350$2,396$28
19Mercedes-Benz CLS450$2,410$42
20BMW 540i$2,442$74
21BMW 530i$2,444$76
22Mercedes-Benz E450$2,474$106
23Jaguar XF$2,484$116
2019 Midsize Luxury Car Average$2,497$129
24BMW 440i$2,498$130
25Mercedes-Benz AMG C43$2,552$184
26Mercedes-Benz SL450$2,560$192
27BMW 530e$2,598$230
28Infiniti Q50$2,614$246
29BMW M550i$2,726$358
30Audi RS 5$2,738$370
31BMW 640i$2,772$404
32Mercedes-Benz AMG C63$2,782$414
33Tesla Model S$2,788$420
34Lexus GS F$2,914$546
35Mercedes-Benz SL550$2,922$554
36Audi A7$2,946$578
37Lexus LC 500H$2,974$606
38BMW M5$3,134$766
39BMW M6$3,472$1,104

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2019 GS 300 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 Lexus GS 300.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2019 Lexus GS 300 Insurance Rates by Trim Level
2019 Lexus GS 300 Trim Level Annual Premium Cost Per Month
Sedan$2,338$195
F-Sport Sedan$2,396$200

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2019 Lexus GS 300 for different driver ages.

2019 Lexus GS 300 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,463$705
17$8,205$684
18$7,362$614
19$6,697$558
20$5,128$427
21$4,892$408
22$4,379$365
23$3,587$299
24$3,391$283
25$2,752$229
30$2,526$211
35$2,430$203
40$2,368$197
45$2,212$184
50$2,094$175
55$1,954$163
60$1,960$163
65$2,092$174
70$2,262$189
75$2,662$222
80$3,282$274

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus GS 300 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Lexus GS 300.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Lexus GS 300 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2019 Lexus GS 300$2,368$197
2018 Lexus GS 300$2,260$188

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Lexus GS 300 trim levels for each model year.