Why You’re Paying Too Much for Lexus GS F Insurance

How much are Lexus GS F car insurance rates? We analyzed average rates for the 2016 to 2020 model years to find out how insurance prices stack up against the rest of the midsize luxury car segment.

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  • 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.

Average 2020 Lexus GS F insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2020 Lexus GS F insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2020 model year Lexus GS F with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lexus GS F trim levels.

2020 Lexus GS F Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,944$579
Safe Driver Age 20$6,100$508
At-fault Accidents Age 40$4,250$354
Low Deductibles Age 40$4,042$337
Safe Driver Age 30$3,228$269
Safe Driver Age 40$3,016$251
Safe Driver Age 50$2,654$221
Discount Rate Age 40$2,500$208
High Deductibles Age 40$2,492$208
Safe Driver Age 60$2,486$207

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2020 Lexus GS F trim levels. Updated June 26, 2025

The next table breaks down average Lexus GS F car insurance rates for the 2016-2020 model years and for various driver ages.

Lexus GS F Insurance Cost by Model Year
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

Average insurance rates for 2016 to 2020 Lexus GS F models for drivers age 20, 40 and 60
Average insurance rates for 2016 to 2020 Lexus GS F models for drivers age 20, 40 and 60

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.

Average 2020 Lexus GS F car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2020 Lexus GS F car insurance premium compared to other midsize luxury car models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2020 model year Lexus GS F. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Lexus GS F trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

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