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

• Lexus GS F car insurance costs an average of $3,088 per year, or around $257 per month for full coverage.
• Out of 41 vehicles in the 2020 midsize luxury car segment, the GS F ranks 32^nd for car insurance affordability.

How much does Lexus GS F insurance cost?

Lexus GS F car insurance rates average $3,088 a year, or around $257 monthly. On average, expect to pay about $318 more each year to insure a Lexus GS F when compared to the average rate for all midsize luxury cars, and $812 more per year than the all-vehicle national average of $2,276.

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.

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 $485 per year versus a credit rating of 670-739. Conversely, a less-than-good credit score could cost as much as $562 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 $4,876 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 $526 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 $6,250 per year, while a 20-year-old woman pays $4,460, a difference of $1,790 per year. The females get the cheaper rate by far. But by age 50, rates for male drivers are $2,716 and female driver rates are $2,656, a difference of only $60.
• Avoiding accidents saves money. Having frequent at-fault accidents will raise rates, possibly up to $1,488 per year for a 30-year-old driver and as much as $894 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 $794 more per year than the Lexus ES 350, $470 more than the BMW 530i, and $92 more than the Infiniti Q50.

The Lexus GS F ranks 32^nd out of 41 total comparison vehicles in the 2020 midsize luxury car class for car insurance affordability. The GS F costs an estimated $3,088 per year for a car insurance policy with full coverage and the category average insurance cost is $2,770 annually, a difference of $318 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.