2016 Lexus GS 350 Car Insurance Calculator

Learn in real-time how changes to risk factors and vehicle options affect the cost of insurance for a 2016 Lexus GS 350. Modify choices like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2016 Lexus GS 350 is $2,036 per year, or about $170 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

$2,036

Cost Per Month

$170

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 350 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 2016 Lexus GS 350.

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.

$2,036
Average Rate
Your Rate
$2,036

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 2016 Lexus GS 350 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 2016 Lexus GS 350 is $2,036.

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.

2016 Lexus GS 350 Segment Comparison

The table below compares insurance rates for the 2016 Lexus GS 350 against all other models in the midsize luxury car segment. The Lexus GS 350 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 350, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus GS 350.

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

2016 Lexus GS 350 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$418
2Acura ILX$1,686-$350
3Lexus IS 300$1,792-$244
4Volvo S80$1,834-$202
5Mercedes-Benz C350E$1,842-$194
6Lexus RC 300$1,856-$180
7Audi A3$1,888-$148
8Mercedes-Benz AMG CLA45$1,910-$126
9Lincoln MKZ$1,914-$122
10Lexus ES 300H$1,924-$112
11Audi A6$1,936-$100
12Mercedes-Benz CLA250$1,982-$54
13BMW 528i$2,020-$16
14Lexus GS 350$2,036--
15Mercedes-Benz E350$2,062$26
16Audi S4$2,064$28
17Mercedes-Benz SLK55 AMG$2,068$32
18BMW 428xi$2,072$36
19Jaguar XF$2,084$48
20Cadillac ELR$2,090$54
21Mercedes-Benz C450 AMG$2,100$64
22BMW 428i$2,106$70
23Audi S5$2,116$80
24Hyundai Genesis$2,130$94
25BMW 528xi$2,138$102
26Infiniti Q50$2,144$108
27BMW 535xi$2,150$114
28BMW 435xi$2,174$138
29Mercedes-Benz E250$2,192$156
30Mercedes-Benz SL400$2,210$174
31BMW Active 5$2,218$182
32BMW 435i$2,224$188
2016 Midsize Luxury Car Average$2,227$191
33BMW 535d$2,250$214
34Mercedes-Benz E400$2,300$264
35BMW 535i$2,308$272
36Mercedes-Benz E550$2,320$284
37Audi S6$2,358$322
38BMW 550i$2,362$326
39Mercedes-Benz CLS400$2,436$400
40BMW 550xi$2,452$416
41Mercedes-Benz SL550$2,456$420
42BMW 640i$2,490$454
43Audi A7$2,504$468
44BMW 640xi$2,510$474
45BMW M5$2,518$482
46Audi S7$2,522$486
47Tesla Model S$2,590$554
48Mercedes-Benz S550E$2,594$558
49BMW 650xi$2,610$574
50Lexus GS F$2,622$586
51BMW M6$2,796$760
52Mercedes-Benz SL63 AMG$2,876$840
53Mercedes-Benz SL65 AMG$3,584$1,548

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.

2016 GS 350 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Lexus GS 350.

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.

2016 Lexus GS 350 Insurance Rates by Trim Level
2016 Lexus GS 350 Trim Level Annual Premium Cost Per Month
Sedan$1,986$166
AWD Sedan$2,084$174

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 2016 Lexus GS 350 for different driver ages.

2016 Lexus GS 350 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,201$600
17$6,988$582
18$6,286$524
19$5,718$477
20$4,386$366
21$4,185$349
22$3,753$313
23$3,077$256
24$2,911$243
25$2,362$197
30$2,172$181
35$2,090$174
40$2,036$170
45$1,904$159
50$1,802$150
55$1,682$140
60$1,686$141
65$1,798$150
70$1,934$161
75$2,268$189
80$2,792$233

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 350 trim levels.