2018 Lexus GS 300 Car Insurance Calculator

Explore and understand how the choices you make impact the cost of car insurance for a 2018 Lexus GS 300. Customize choices like annual miles driven, vehicle usage, and gender of the driver to see how your rate changes. Know immediately if rates get cheaper or more expensive and why.

The average estimated car insurance premium for a 2018 Lexus GS 300 is $2,260 per year, or about $188 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

$2,260

Cost Per Month

$188

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 2018 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.

$2,260
Average Rate
Your Rate
$2,260

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.

The 'Average Rate' is a combined value for all 2018 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 2018 Lexus GS 300 is $2,260.

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.

2018 Lexus GS 300 Segment Comparison

The table below compares insurance rates for the 2018 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.

2018 Lexus GS 300 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$504
2Lexus IS 300$1,908-$352
3Lexus RC 300$1,992-$268
4Mercedes-Benz SLC300$2,058-$202
5Lexus ES 350$2,062-$198
6Mercedes-Benz AMG CLA45$2,076-$184
7Audi S5$2,114-$146
8Audi A3$2,126-$134
9Mercedes-Benz CLA250$2,136-$124
10Mercedes-Benz C350E$2,146-$114
11Lincoln MKZ$2,158-$102
12Mercedes-Benz E300$2,162-$98
13Lexus ES 300H$2,170-$90
14Genesis G80$2,174-$86
15BMW 430i$2,190-$70
16Audi A6$2,212-$48
17Audi S4$2,224-$36
18Lexus GS 300$2,260--
19Jaguar XE$2,262$2
20Lexus GS 350$2,282$22
21BMW 530i$2,288$28
22BMW 540xi$2,298$38
23BMW 540i$2,304$44
24BMW 440i$2,334$74
25Jaguar XF$2,354$94
26Mercedes-Benz AMG C43$2,410$150
27Mercedes-Benz SL450$2,430$170
28Mercedes-Benz E400$2,442$182
29Infiniti Q50$2,450$190
2018 Midsize Luxury Car Average$2,459$199
30BMW 530e$2,460$200
31Audi RS 5$2,490$230
32Mercedes-Benz AMG E43$2,500$240
33BMW 530xi$2,504$244
34BMW M550i$2,582$322
35Mercedes-Benz AMG C63$2,634$374
36BMW 640xi$2,642$382
37Audi S6$2,662$402
38BMW 640i$2,712$452
39Mercedes-Benz SL550$2,762$502
40Lexus GS F$2,772$512
41Tesla Model S$2,810$550
42Lexus LC 500H$2,834$574
43Audi A7$2,844$584
44BMW 650xi$2,848$588
45Audi S7$3,022$762
46BMW M5$3,034$774
47BMW M6$3,228$968
48Mercedes-Benz SL63 AMG$3,280$1,020
49Mercedes-Benz SL65 AMG$4,084$1,824

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.

2018 GS 300 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Lexus GS 300 Insurance Rates by Trim Level
2018 Lexus GS 300 Trim Level Annual Premium Cost Per Month
Sedan$2,232$186
F-Sport Sedan$2,288$191

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 2018 Lexus GS 300 for different driver ages.

2018 Lexus GS 300 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,078$673
17$7,823$652
18$7,003$584
19$6,379$532
20$4,884$407
21$4,657$388
22$4,169$347
23$3,423$285
24$3,236$270
25$2,626$219
30$2,408$201
35$2,322$194
40$2,260$188
45$2,112$176
50$2,000$167
55$1,870$156
60$1,876$156
65$1,998$167
70$2,160$180
75$2,546$212
80$3,138$262

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.