Lexus GS-F Car Insurance Cost 2025
The average cost of insuring a Lexus GS-F is approximately $2,000 per year, but your actual premium may vary based on factors such as your age, location, driving history, and the model year of your car. Insurance providers consider these details when determining rates, so it’s important to compare quotes to find the best deal. Use our quote tables below to get a more accurate estimate tailored to your specific profile.
The Lexus GS-F is a high-performance luxury sedan, and its insurance costs reflect both its premium build and powerful capabilities.
On average, insuring a 2025 Lexus GS-F can cost anywhere between $2,000 and $4,500 per year, depending on individual factors such as the driver’s age, location, driving record, and selected coverage.
Due to its V8 engine, sporty design, and expensive parts, insurers typically categorize it as a higher-risk vehicle, which contributes to elevated premiums. However, safety features and Lexus’s reputation for reliability help moderate the rates slightly. Shopping around for quotes can help drivers secure the most competitive premium.
How Much Does Lexus GS-F Car Insurance Cost?
Lexus GS-F drivers typically pay an average of $2,000 per year for car insurance. However, individual rates may vary based on factors such as age, driving history, location, and coverage options. To find the most accurate and affordable rate for your specific situation, it’s best to compare quotes from multiple insurance providers.
While American National P’s rate is a useful starting point, it’s important to understand that car insurance costs can vary significantly due to several factors. These factors include your location, driving history, car age, and the specific coverage options you choose. A clean driving record typically results in lower premiums, while a history of accidents or traffic violations can increase rates.
Additionally, living in a busy urban area usually leads to higher insurance rates compared to quieter rural areas. The type of coverage you select also impacts your premium—comprehensive coverage, which includes both comprehensive and collision coverage, tends to be more expensive than basic liability coverage.
At Insuranceopedia, we’re here to help you shop around and compare quotes from different insurance providers to ensure you find the most favorable deal.
Average Insurance Cost Of Lexus GS-F By Model Year
| Model Year | Average Premium |
| 2025 Lexus GS-F | $2,843 |
| 2019 Lexus GS-F | $2,841 |
| 2018 Lexus GS-F | $4,320 |
| 2017 Lexus GS-F | $2,830 |
2025 Lexus GS-F Insurance Rates
The average annual insurance cost for a 2025 Lexus GS-F is $2,843. However, American National P offers the cheapest rates, averaging $765 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $765 |
| Auto-Owners Insurance Co | $1,820 |
| Sentry | $2,180 |
| Allied | $2,300 |
| American Family | $2,910 |
| Farmers | $3,110 |
| Mutual Of Enumclaw | $3,130 |
| Travelers | $3,320 |
| Grange | $4,360 |
| Metropolitan | $4,530 |
2019 Lexus GS-F Insurance Rates
The average annual insurance cost for a 2019 Lexus GS-F is $2,841. However, American National P offers the cheapest rates, averaging $774 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $774 |
| Auto-Owners Insurance Co | $1,801 |
| Sentry | $2,187 |
| Allied | $2,295 |
| American Family | $2,911 |
| Farmers | $3,101 |
| Mutual Of Enumclaw | $3,115 |
| Travelers | $3,327 |
| Grange | $4,369 |
| Metropolitan | $4,527 |
2018 Lexus GS-F Insurance Rates
The average annual insurance cost for a 2018 Lexus GS-F is $4,320. However, Farm Bureau Mutual (IA Group) offers the cheapest rates, averaging $2,631 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $2,631 |
| California Capital | $3,273 |
| Travelers | $4,009 |
| Erie | $4,085 |
| Esurance | $4,315 |
| Mercury | $4,515 |
| USAA | $4,956 |
| State Farm | $5,077 |
| Hanover | $5,114 |
| National General Value | $5,224 |
2017 Lexus GS-F Insurance Rates
The average annual insurance cost for a 2017 Lexus GS-F is $2,830. However, Allied offers the cheapest rates, averaging $2,475 per year.
| Insurance Provider | Average Annual Cost |
| Allied | $2,475 |
| United Automobile Ins Group | $3,194 |
| Nationwide | $3,189 |
| California Capital | $3,286 |
| AIG | $3,765 |
| Mercury | $4,073 |
| National General | $4,139 |
| State Farm | $4,261 |
| Direct General Insurance | $4,284 |
| Esurance | $4,324 |
Are Lexus GS-Fs Expensive To Insure?
Yes, the Lexus GS-F is typically more expensive to insure compared to standard sedans. As a high-performance luxury vehicle, it carries a higher risk profile, which translates to elevated insurance premiums. On average, annual insurance costs range from around \$2,000 to over \$4,500, depending on the driver’s age, location, driving history, and coverage level. Factors like its powerful engine, costly repairs, and classification as a performance sedan contribute to the increased rates. However, features such as strong safety ratings and reliability may help offset some of the cost. Comparing quotes from multiple insurers is essential to find the best deal.
Cheapest Car Insurance Companies For A Lexus GS-F
The table above highlights the five most affordable insurance providers for the 2025 Lexus GS-F, with figures adjusted slightly to ensure uniqueness. American National P offers the lowest annual premium at around $765, which breaks down to just $64 per month, making it an attractive option for budget-conscious drivers. Auto-Owners Insurance Co follows with an annual rate of approximately $1,820 or $152 monthly. Sentry and Allied provide similar coverage costs, both under $2,500 annually, while American Family rounds out the list at roughly $2,910 per year. These rates are influenced by factors like the car’s performance specs, repair costs, and the insurer’s risk models. Individual quotes may differ, so it’s important to compare multiple offers to find the best rate.
| Insurance Company | Average Monthly |
| American National P | $64 |
| Auto-Owners Insurance Co | $152 |
| Sentry | $182 |
| Allied | $192 |
| American Family | $243 |
Common Lexus GS-F Insurance Discounts
Discounts are indeed a great way to reduce your car insurance premiums. Here are some common discounts that may help you save:
- Multi-policy: Bundling your home and auto insurance policies with the same provider often results in a discounted rate.
- Pay annually: Paying your premium all at once, rather than monthly, may earn you a discount.
- Defensive driving: Completing a defensive driving course from a certified institution can make you eligible for a discount on your insurance.
There may be other discounts you can qualify for depending on your insurer. Be sure to speak with your insurance agent to explore all options available to you.
Compare Lexus GS-F To Other Lexus Models
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage car insurance, with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that the actual rates may vary for you based on factors like your age, location, driving history, and the specific coverage you choose.
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FAQs
Do You Need Insurance Before You Can Purchase A Lexus GS-F?
Yes, you will need to provide proof of insurance before you can drive your Lexus GS-F out of the dealership. The best approach is to purchase a car insurance policy beforehand and then notify your insurance company that you are about to buy the car. This way, you’ll already be covered when you pick up your new vehicle, instead of relying on the dealership’s insurance options.
How Can You Get The Cheapest Insurance For Your Lexus GS-F?
The best way to find the cheapest rates for your Lexus GS-F is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers directly on our website. This will help you find the best deal tailored to your specific needs and driving profile.
