Lexus GS 300 Insurance Costs for 2025: What You Need to Know

• Lexus GS 300 insurance costs an average of $2,368 per year, or around $197 per month, for full coverage.
• The Lexus GS 300 is one of the cheaper midsize luxury cars to insure, costing $129 less per year on average as compared to the rest of the vehicles in the segment.
• The base GS 300 Sedan trim is the cheapest to insure at around $2,338 per year, or $195 per month, while the F-Sport Sedan costs $2,396 per year to insure, or around $200 per month.

How much does Lexus GS 300 car insurance cost?

Lexus GS 300 insurance rates average $2,368 a year, or around $197 on a monthly basis. Plan on paying approximately $129 less each year for Lexus GS 300 insurance compared to similar vehicles, and $147 more per year than the all-vehicle national average of $2,221.

The rate chart below shows how 2019 Lexus GS 300 insurance rates can vary with changes in the rated driver age and the choice of physical damage coverage deductibles.

The next table shows average auto insurance rates for yearly and 6-month policy terms, plus a monthly amount for budgeting, for each Lexus GS 300 package and trim level.

The rate table below shows average Lexus GS 300 full coverage car insurance rates for the 2018-2019 model years and different driver age groups.

Below are some additional rates for different policy situations and scenarios, as well as some discounts to watch for on your next policy.

• Avoiding accidents makes for cheaper insurance. Causing too many accidents will raise rates, as much as $3,402 per year for a 20-year-old driver and as much as $582 per year for a 60-year-old driver.
• The gender of the driver affects insurance cost. For a 2019 Lexus GS 300, a 20-year-old male pays an average price of $4,782 per year, while a 20-year-old female driver pays $3,422, a difference of $1,360 per year. The females get much better rates. But by age 50, the rate for men is $2,094 and female driver rates are $2,042, a difference of only $52.
• High-risk drivers pay extremely high rates. For a 20-year-old driver, having too many driving record violations or accidents could trigger a rate increase of $3,746 or more per year.
• Save money due to your employer. Some car insurance providers offer policy discounts for certain occupations like members of the military, nurses, firefighters, engineers, scientists, emergency medical technicians, and others. Being employed in a qualifying profession may save between $71 and $202 on your GS 300 insurance cost, depending on the age of the rated driver.
• Lower policy cost by raising deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $378 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Decreasing deductibles will cost more. Dropping your physical damage deductibles from $500 to $250 could cost an additional $394 per year for a 40-year-old driver and $788 per year for a 20-year-old driver.

How well do Lexus GS 300 insurance rates rank?

The Lexus GS 300 ranks 15^th out of 39 total vehicles in the midsize luxury car category for most affordable car insurance prices. The GS 300 costs an estimated $2,368 per year for an auto insurance policy with full coverage, while the category average is $2,497 annually, a difference of $129 per year.

When insurance prices are compared to the best-selling models in the midsize luxury car category, car insurance rates for a Lexus GS 300 cost $228 more per year than the Lexus ES 350, $76 less than the BMW 530i, and $246 less than the Infiniti Q50.

The chart below shows how the average car insurance rate for a Lexus GS 300 compares to the top 10 best-selling 2019 midsize luxury cars like the Lincoln MKZ, Mercedes-Benz CLA250, and the Audi A6. In addition to the chart, a larger table is included following the chart that breaks down average insurance rates for the entire 2019 midsize luxury car segment.