Lexus GS Car Insurance Cost 2025
On average, insuring a Lexus GS costs between $1,250 and $1,800 per year. However, your actual rate may vary depending on factors such as your age, location, driving history, and the specific model year of your vehicle. To get a more personalized estimate, refer to our quote tables below and compare rates based on your unique profile.
We’ve saved shoppers an average of $600 per year on their car insurance.
The Lexus GS is a midsize luxury sedan known for its performance, comfort, and reliability. When it comes to insurance, the GS is moderately priced for its class. On average, annual insurance premiums for a Lexus GS fall between $1,250 and $1,800, depending on factors like model year, driver history, location, and coverage level. The GS 350, for example, typically sees lower rates than the high-performance GS F. While not the cheapest luxury car to insure, it’s generally more affordable than many European competitors. Drivers looking to insure a Lexus GS should compare quotes to find the most competitive rate.
How Much Does Lexus GS Car Insurance Cost?
Lexus GS drivers typically pay an average between $1,250 and $1,800 per year for car insurance. However, actual rates may vary based on factors such as age, location, driving history, and coverage options. Comparing quotes from multiple providers can help you find the best rate for your specific situation.
While Pekin Insurance’s rate is a good starting point, car insurance costs can vary widely based on several factors. These include your location, driving history, the age of your car, and the coverage options you choose. A clean driving record usually means lower premiums, while a history of accidents or traffic violations can increase your rates.
Living in a busy urban area generally results in higher insurance costs compared to quieter rural areas. The type of coverage you choose also affects your premium—comprehensive coverage, which includes both comprehensive and collision, is more expensive than basic liability coverage.
At Insuranceopedia, we help you shop around and compare quotes from different insurance providers to ensure you get the best deal.
Average Insurance Cost Of Lexus GS By Model Year
| Model Year | Average Premium |
| 2025 Lexus GS | $1,415 |
| 2020 Lexus GS | $1,515 |
| 2019 Lexus GS | $1,354 |
| 2018 Lexus GS | $1,266 |
| 2017 Lexus GS | $1,096 |
| 2016 Lexus GS | $1,135 |
| 2015 Lexus GS | $995 |
| 2014 Lexus GS | $943 |
| 2013 Lexus GS | $751 |
| 2012 Lexus GS | $1,450 |
| 2011 Lexus GS | $1,277 |
| 2010 Lexus GS | $922 |
2025 Lexus GS Insurance Rates
The average annual insurance cost for a 2025 Lexus GS is $1,415. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $1,002 per year.
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $1,002 |
| Texas Farm Bureau Group | $1,041 |
| Pekin Insurance | $1,090 |
| Indiana Farmers Mutual Ins | $1,322 |
| Auto-Owners Insurance Co | $1,356 |
| Buckeye Insurance Group | $1,379 |
| Grange Mutual | $1,508 |
| Westfield | $1,724 |
| United Farm Bureau of IN Group | $1,793 |
| Western Reserve | $1,938 |
2020 Lexus GS Insurance Rates
The average annual insurance cost for a 2020 Lexus GS is $1,515. However, Pekin Insurance offers the cheapest rates, averaging $912 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $912 |
| Hastings Mutual Insurance Co | $961 |
| SECURA Insurance | $1,223 |
| Auto-Owners Insurance Co | $1,361 |
| Grange Mutual | $1,538 |
| Capital Insurance Group | $1,607 |
| Travelers | $1,656 |
| Rockford Mutual Insurance | $1,730 |
| First Chicago Insurance | $1,972 |
| Country | $2,189 |
2019 Lexus GS Insurance Rates
The average annual insurance cost for a 2019 Lexus GS is $1,354. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $924 per year.
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $924 |
| Texas Farm Bureau Group | $1,008 |
| Pekin Insurance | $1,043 |
| Indiana Farmers Mutual Ins | $1,253 |
| Auto-Owners Insurance Co | $1,310 |
| Buckeye Insurance Group | $1,331 |
| Grange Mutual | $1,434 |
| Westfield | $1,652 |
| United Farm Bureau of IN Group | $1,720 |
| Western Reserve | $1,869 |
2018 Lexus GS Insurance Rates
The average annual insurance cost for a 2018 Lexus GS is $1,266. However, Mercury Insurance offers the cheapest rates, averaging $411 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $411 |
| Titan | $1,090 |
| Utica National Ins Group | $1,171 |
| Auto-Owners Insurance Co | $1,230 |
| Nationwide | $1,368 |
| Grange Mutual | $1,432 |
| Tennessee Farmers | $1,456 |
| Texas Farm Bureau Group | $1,459 |
| North Carolina Farm Bureau | $1,487 |
| Westfield | $1,557 |
2017 Lexus GS Insurance Rates
The average annual insurance cost for a 2017 Lexus GS is $1,096. However, Mercury Insurance offers the cheapest rates, averaging $514 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $514 |
| Texas Farm Bureau Group | $761 |
| Hastings Mutual Insurance Co | $847 |
| SECURA Insurance | $1,027 |
| West Bend Mutual | $1,111 |
| Auto-Owners Insurance Co | $1,226 |
| Pekin Insurance | $1,280 |
| Rockford Mutual Insurance | $1,369 |
| Direct Auto | $1,384 |
| Rural Mutual Insurance | $1,442 |
2016 Lexus GS Insurance Rates
The average annual insurance cost for a 2016 Lexus GS is $1,135. However, American National P offers the cheapest rates, averaging $763 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $763 |
| Safeco | $823 |
| Capital Insurance Group | $989 |
| Utica National Ins Group | $1,141 |
| New Jersey Manufacturers | $1,161 |
| Texas Farm Bureau Group | $1,210 |
| Mercury Insurance | $1,255 |
| SECURA Insurance | $1,297 |
| ALFA | $1,339 |
| Virginia Farm Bureau | $1,374 |
2015 Lexus GS Insurance Rates
The average annual insurance cost for a 2015 Lexus GS is $995. However, Safeco offers the cheapest rates, averaging $276 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $276 |
| SafeAuto | $472 |
| American National P&C | $641 |
| Mercury Insurance | $740 |
| SECURA Insurance | $1,066 |
| American National P | $1,054 |
| Texas Farm Bureau Group | $1,364 |
| Virginia Farm Bureau | $1,399 |
| Pekin Insurance | $1,455 |
| PEMCO | $1,483 |
Find Affordable Lexus GS Insurance Rates
2014 Lexus GS Insurance Rates
The average annual insurance cost for a 2014 Lexus GS is $943. However, Safeco offers the cheapest rates, averaging $190 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $190 |
| AssuranceAmerica Mobile Max | $292 |
| SafeAuto | $469 |
| American National P | $792 |
| Kemper Auto | Infinity | $1,128 |
| Pekin Insurance | $1,256 |
| Virginia Farm Bureau | $1,232 |
| Texas Farm Bureau Group | $1,303 |
| SECURA Insurance | $1,370 |
| New Jersey Manufacturers | $1,397 |
2013 Lexus GS Insurance Rates
The average annual insurance cost for a 2013 Lexus GS is $751. However, Safeco offers the cheapest rates, averaging $255 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $255 |
| Mercury Insurance | $400 |
| SafeAuto | $453 |
| American National P | $564 |
| Kemper Auto | $826 |
| NatGen Value | $884 |
| Capital Insurance Group | $1,006 |
| Southern Farm Bureau | $1,020 |
| Rural Mutual Insurance | $1,049 |
| Buckeye Insurance Group | $1,050 |
2012 Lexus GS Insurance Rates
The average annual insurance cost for a 2012 Lexus GS is $1,450. However, SafeAuto offers the cheapest rates, averaging $1,035 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $1,035 |
| State Farm | $1,073 |
| American Family | $1,140 |
| Farmers | $1,229 |
| Encompass | $1,284 |
| Nationwide | $1,564 |
| Auto Club Group | $1,734 |
| Metropolitan | $1,748 |
| National Farmers Union P | $1,788 |
| Unitrin | $1,902 |
2011 Lexus GS Insurance Rates
The average annual insurance cost for a 2011 Lexus GS is $1,277. However, Safeco offers the cheapest rates, averaging $688 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $688 |
| Allied | $821 |
| Direct Auto | $1,054 |
| Kemper Auto | Infinity | $1,247 |
| Dairyland Auto | $1,299 |
| Mercury Insurance | $1,377 |
| Clearcover | $1,409 |
| State Farm | $1,589 |
| Esurance | $1,632 |
| USAA | $1,652 |
2010 Lexus GS Insurance Rates
The average annual insurance cost for a 2010 Lexus GS is $922. However, Safeco offers the cheapest rates, averaging $222 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $222 |
| New York Central Mutual Fire | $661 |
| Texas Farm Bureau Group | $688 |
| American National P | $772 |
| North Carolina Farm Bureau | $837 |
| SafeAuto | $1,055 |
| Penn National | $1,108 |
| Erie | $1,207 |
| Liberty Mutual | $1,296 |
| Southern Farm Bureau | $1,371 |
Are Lexus GSs Expensive To Insure?
Insuring a Lexus GS is generally more affordable compared to many luxury vehicles. For instance, the 2020 Lexus GS has an average annual insurance cost of approximately $1,515, with some providers offering rates as low as $912 per year . However, the Lexus GS F, a high-performance variant, tends to be more expensive to insure, with average annual premiums around $3,199, reflecting its enhanced performance and associated repair costs . It’s important to note that insurance rates can vary based on factors such as the vehicle’s model year, trim level, driver profile, and location. Therefore, obtaining personalized quotes is advisable to determine the most accurate insurance costs for your specific circumstances.
Find Affordable Lexus GS Insurance Rates
Cheapest Car Insurance Companies For A Lexus GS
Based on recent data, the average annual insurance cost for a Lexus GS ranges from approximately $1,266 to $1,824, depending on the model year and coverage level. For instance, a 2020 Lexus GS has an average annual premium of $1,515, while a 2018 model averages around $1,266. These figures can vary based on factors such as the vehicle’s model year, trim level, driver profile, and location. Therefore, obtaining personalized quotes is advisable to determine the most accurate insurance costs for your specific circumstances.
| Insurance Company | Monthly Premium |
|---|---|
| Erie | $74 |
| GEICO | $78 |
| State Farm | $81 |
| Progressive | $85 |
| Allstate | $92 |
Common Lexus GS Insurance Discounts
Taking advantage of discounts is an effective way to lower your Lexus GS car insurance costs. While discounts vary by provider, common ones include:
- Multi-policy discount: Bundling your auto insurance with other policies, like home or renters insurance, can earn you savings.
- Pay-in-full discount: Paying your premium annually instead of monthly can reduce your overall cost.
- Defensive driving discount: Completing an approved defensive driving course can qualify you for lower rates.
Additional discounts may be available based on factors such as safe driving habits, vehicle safety features, or low annual mileage. Consult your insurance provider to explore all available discounts and maximize your savings.
Compare Lexus GS To Other Lexus Models
Our Methodology
The average cost of car insurance for a Lexus GS was calculated using thousands of quotes from leading auto insurance providers. The sample profile used for this analysis included a 40-year-old male driver purchasing a full-coverage policy with limits of $100,000 for both property damage and bodily injury liability, along with a $1,000 deductible for comprehensive and collision coverage. However, actual insurance rates can vary based on several factors, such as age, location, driving history, and selected coverage options. To obtain the most accurate estimate for your situation, it is recommended to compare personalized quotes from multiple insurance providers.
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FAQs
Do You Need Insurance Before You Can Purchase A Lexus GS?
Before driving your Lexus GS off the dealership lot, you must provide proof of insurance. The best approach is to purchase a policy in advance and inform your insurance provider about your upcoming vehicle purchase. This ensures you have the necessary coverage without relying on dealership-provided insurance, which may be more expensive or offer limited options. Comparing quotes from multiple providers can help you find the best policy that meets your needs and budget.
How Can You Get The Cheapest Insurance For Your KIA Cadenza?
The most effective way to secure the cheapest insurance rates for your Lexus GS is by comparing quotes from different auto insurance companies. Since rates vary based on factors like your location, driving history, and coverage needs, shopping around ensures you find the best deal. Fortunately, Insuranceopedia simplifies this process by allowing you to compare quotes from multiple providers directly on their website, helping you make an informed decision.
