2020 Lexus GS 350 Car Insurance Calculator

Learn visually how different risk factors impact car insurance rates for a 2020 Lexus GS 350. Experiment with credit rating, policy coverages, liability limits, and coverage deductibles to see the impact on rates. Know immediately the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2020 Lexus GS 350 is $2,478 per year, or about $207 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

$2,478

Cost Per Month

$207

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 2020 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.

$2,478
Average Rate
Your Rate
$2,478

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 2020 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 2020 Lexus GS 350 is $2,478.

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.

2020 Lexus GS 350 Segment Comparison

The table below compares insurance rates for the 2020 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.

2020 Lexus GS 350 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$592
2Lexus RC 300$2,168-$310
3Mercedes-Benz SLC300$2,230-$248
4Lexus ES 350$2,238-$240
5Lincoln MKZ$2,248-$230
6Mercedes-Benz AMG CLA45$2,268-$210
7Jaguar XE$2,272-$206
8Lexus IS 300$2,276-$202
9Audi A3$2,316-$162
10Cadillac CT5$2,354-$124
11Audi S5$2,414-$64
12Lexus GS 350$2,478--
13Mercedes-Benz E350$2,488$10
14Lexus ES 300H$2,526$48
15Audi S4$2,550$72
16BMW 530i$2,558$80
17BMW 540i$2,582$104
18Mercedes-Benz CLA250$2,598$120
19Genesis G80$2,604$126
20Audi A6$2,614$136
21Mercedes-Benz E450$2,644$166
22BMW 430i$2,666$188
23Mercedes-Benz CLS450$2,700$222
24Jaguar XF$2,702$224
2020 Midsize Luxury Car Average$2,704$226
25BMW 440i$2,796$318
26Mercedes-Benz AMG C43$2,804$326
27Mercedes-Benz SL450$2,822$344
28Audi RS 5$2,838$360
29Audi S6$2,898$420
30Infiniti Q50$2,926$448
31BMW 530e$2,942$464
32Lexus GS F$3,016$538
33Mercedes-Benz AMG C63$3,056$578
34BMW M550i$3,110$632
35Mercedes-Benz SL550$3,136$658
36Tesla Model S$3,192$714
37Audi A7$3,236$758
38Lexus LC 500H$3,320$842
39Audi S7$3,444$966
40BMW M8$3,448$970
41BMW M5$3,494$1,016

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.

2020 GS 350 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Lexus GS 350 Insurance Rates by Trim Level
2020 Lexus GS 350 Trim Level Annual Premium Cost Per Month
AWD$2,478$207
F-Sport AWD$2,478$207
F-Sport Sedan$2,478$207
Sedan$2,478$207

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 2020 Lexus GS 350 for different driver ages.

2020 Lexus GS 350 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,713$726
17$8,490$708
18$7,705$642
19$6,979$582
20$5,367$447
21$5,122$427
22$4,601$383
23$3,740$312
24$3,550$296
25$2,884$240
30$2,652$221
35$2,544$212
40$2,478$207
45$2,312$193
50$2,186$182
55$2,042$170
60$2,046$171
65$2,186$182
70$2,336$195
75$2,730$228
80$3,360$280

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.