- Lexus GS F car insurance costs an average of $3,016 per year, or around $251 per month for full coverage.
- Out of 41 vehicles in the 2020 midsize luxury car segment, the GS F ranks 32nd for car insurance affordability.
How much does Lexus GS F insurance cost?
Lexus GS F car insurance rates average $3,016 a year, or around $251 monthly. On average, expect to pay about $312 more each year to insure a Lexus GS F when compared to the average rate for all midsize luxury cars, and $795 more per year than the all-vehicle national average of $2,221.
The rate chart below displays average insurance rates on a 2020 GS F rated for different driver ages and risk profiles.

The next table breaks down average Lexus GS F car insurance rates for the 2016-2020 model years and for various driver ages.
Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
---|---|---|---|
2020 Lexus GS F | $6,100 | $3,016 | $2,486 |
2019 Lexus GS F | $5,906 | $2,914 | $2,402 |
2018 Lexus GS F | $5,606 | $2,772 | $2,288 |
2017 Lexus GS F | $5,366 | $2,658 | $2,194 |
2016 Lexus GS F | $5,292 | $2,622 | $2,172 |
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 F trim levels for each model year. Updated June 26, 2025
A few additional key observations regarding the cost to insure a Lexus GS F include:
- Raise your credit score for cheaper insurance rates. Drivers with high 800+ credit scores could save $474 per year versus a credit rating of 670-739. Conversely, a less-than-good credit score could cost as much as $549 more per year.
- High-risk auto insurance costs more. For a 20-year-old driver, being required to buy a high-risk insurance policy could end up with a rate increase of $4,756 or more per year.
- Research discounts to lower the cost. Discounts may be available if the insureds work in certain occupations, are accident-free, insure their home and car with the same company, are claim-free, or many other discounts which could save the average driver as much as $516 per year on the cost of insuring a GS F.
- Gender affects car insurance rates. For a 2020 Lexus GS F, a 20-year-old male driver will have an average rate of $6,100 per year, while a 20-year-old woman pays $4,350, a difference of $1,750 per year. The females get the cheaper rate by far. But by age 50, rates for male drivers are $2,654 and female driver rates are $2,592, a difference of only $62.
- Avoiding accidents saves money. Having frequent at-fault accidents will raise rates, possibly up to $1,448 per year for a 30-year-old driver and as much as $870 per year for a 50-year-old driver.
Is Lexus GS F car insurance expensive?
When compared to other models in the midsize luxury car segment, auto insurance rates for a Lexus GS F cost $778 more per year than the Lexus ES 350, $458 more than the BMW 530i, and $90 more than the Infiniti Q50.
The Lexus GS F ranks 32nd out of 41 total comparison vehicles in the 2020 midsize luxury car class for car insurance affordability. The GS F costs an estimated $3,016 per year for a car insurance policy with full coverage and the category average insurance cost is $2,704 annually, a difference of $312 per year.
The next chart shows how average Lexus GS F car insurance rates compare to the top-selling midsize luxury cars in America like the Lincoln MKZ, Mercedes-Benz CLA250, and the Audi A6. In addition to the chart, a larger table is included that displays car insurance affordability rankings for all 41 models in the 2020 midsize luxury car class.

Rank | Make and Model | Annual Premium | Difference |
---|---|---|---|
1 | Acura ILX | $1,886 | -$1,130 |
2 | Lexus RC 300 | $2,168 | -$848 |
3 | Mercedes-Benz SLC300 | $2,230 | -$786 |
4 | Lexus ES 350 | $2,238 | -$778 |
5 | Lincoln MKZ | $2,248 | -$768 |
6 | Mercedes-Benz AMG CLA45 | $2,268 | -$748 |
7 | Jaguar XE | $2,272 | -$744 |
8 | Lexus IS 300 | $2,276 | -$740 |
9 | Audi A3 | $2,316 | -$700 |
10 | Cadillac CT5 | $2,354 | -$662 |
11 | Audi S5 | $2,414 | -$602 |
12 | Lexus GS 350 | $2,478 | -$538 |
13 | Mercedes-Benz E350 | $2,488 | -$528 |
14 | Lexus ES 300H | $2,526 | -$490 |
15 | Audi S4 | $2,550 | -$466 |
16 | BMW 530i | $2,558 | -$458 |
17 | BMW 540i | $2,582 | -$434 |
18 | Mercedes-Benz CLA250 | $2,598 | -$418 |
19 | Genesis G80 | $2,604 | -$412 |
20 | Audi A6 | $2,614 | -$402 |
21 | Mercedes-Benz E450 | $2,644 | -$372 |
22 | BMW 430i | $2,666 | -$350 |
23 | Mercedes-Benz CLS450 | $2,700 | -$316 |
24 | Jaguar XF | $2,702 | -$314 |
25 | BMW 440i | $2,796 | -$220 |
26 | Mercedes-Benz AMG C43 | $2,804 | -$212 |
27 | Mercedes-Benz SL450 | $2,822 | -$194 |
28 | Audi RS 5 | $2,838 | -$178 |
29 | Audi S6 | $2,898 | -$118 |
30 | Infiniti Q50 | $2,926 | -$90 |
31 | BMW 530e | $2,942 | -$74 |
32 | Lexus GS F | $3,016 | -- |
33 | Mercedes-Benz AMG C63 | $3,056 | $40 |
34 | BMW M550i | $3,110 | $94 |
35 | Mercedes-Benz SL550 | $3,136 | $120 |
36 | Tesla Model S | $3,192 | $176 |
37 | Audi A7 | $3,236 | $220 |
38 | Lexus LC 500H | $3,320 | $304 |
39 | Audi S7 | $3,444 | $428 |
40 | BMW M8 | $3,448 | $432 |
41 | BMW M5 | $3,494 | $478 |
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 vehicle from the 2020 model year. Updated June 27, 2025