Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a used Lexus GS 350? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lexus GS 350 car insurance facts

  • Average full coverage auto insurance premium: $194/month

  • Most affordable companies: USAA ($113/month) & GEICO ($116/month)

  • GS 350 car insurance cost vs. average rates: $116 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus GS 350 by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Lexus GS 350 insurer costs by state:

Risk factors affecting Lexus GS 350 coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Lexus GS 350 insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lexus models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lexus luxury automobile brand

Lexus is a luxury car division of Toyota, a Japanese automobile manufacturer specializing in reliable luxury cars with high-quality comfort and impressive resale values. The target audience of Lexus is the upper-middle-class finance and banking executives that demand upscale interiors, style, and advanced driver technologies. All Lexus automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lexus RX 350, ES 350, and RC 300 are some of their most popular cars.

High Lexus GS 350 repair costs equal high coverage rates

Many consumers are attracted to Lexus’ upscale driving experience, outstanding quality, and driver-assist technologies, like the Lexus Safety System+ with pre-collision and dynamic radar safety features. Automotive parts are common and more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Lexus is higher than average since repair parts are more expensive. For this reason, many Lexus cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lexus GS 350 affecting auto policies

Another factor to consider for Lexus is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lexus models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Lexus IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lexus is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lexus’ Safety System+ technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lexus models. The Lexus ES 350, Lexus IS, NX 4, and RX 4 are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks.” The NHTSA consistently gives Lexus automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lexus automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2020 Lexus GS 350

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2089
American Family$1920
Auto-Owners$1530
Erie$1529
Farmers$1853
GEICO$1387
Mercury$2033
MetLife$2549
Nationwide$1648
Progressive$1451
Safe Auto$2354
State Farm$1734
Tennessee Farmers$2016
Travelers$2163
USAA$1362
Vermont Mutual$2367

Compare all 2020 Lexus GS 350 rates

Average Cost to Insure Per Year

$2327

List Price

$51065

Trims Available

Base - F SPORT - Base Engine: 3.5-liter V-6 engine at 311 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2019 Lexus GS 350

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2016
American Family$1834
Auto-Owners$1526
Direct Auto$1905
Erie$1487
Farmers$1721
GEICO$1350
MetLife$2480
Nationwide$1564
Progressive$1395
Safe Auto$2284
State Farm$1659
Tennessee Farmers$1896
Travelers$2134
USAA$1320
Vermont Mutual$2348

Compare all 2019 Lexus GS 350 rates

Average Cost to Insure Per Year

$2316

List Price

$54355

Trims Available

Base - F SPORT - Base Engine: 3.5-liter V-6 engine at 311 horsepower with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2018 Lexus GS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1708
Acuity$ 1708
Allied$ 1548
Allied$ 1548
Arbella$ 2089
Arbella$ 2089
Erie$ 1267
Erie$ 1267
GEICO$ 2106
GEICO$ 2106
Mercury$ 1866
Mercury$ 1866
Nationwide$ 1619
Nationwide$ 1619
Plymouth Rock Insurance$ 1872
Plymouth Rock Insurance$ 1872
Southern Farm Bureau$ 1995
Southern Farm Bureau$ 1995
Tennessee Farmers$ 1389
Tennessee Farmers$ 1389
USAA$ 1480
USAA$ 1480
Vermont Mutual$ 1912
Vermont Mutual$ 1912

Compare all 2018 Lexus GS 350 rates

Average Cost to Insure Per Year

$ 2295

List Price

$ 50565

Trims Available

Base - F SPORT

2017 Lexus GS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1696
Acuity$ 1696
Allied$ 1573
Allied$ 1573
Arbella$ 1964
Arbella$ 1964
Country$ 1924
Country$ 1924
Erie$ 1250
Erie$ 1250
Mercury$ 1823
Mercury$ 1823
Nationwide$ 1689
Nationwide$ 1689
Plymouth Rock Insurance$ 1812
Plymouth Rock Insurance$ 1812
Tennessee Farmers$ 1392
Tennessee Farmers$ 1392
Texas Farm Bureau$ 1382
Texas Farm Bureau$ 1382
USAA$ 1574
USAA$ 1574
Vermont Mutual$ 1838
Vermont Mutual$ 1838

Compare all 2017 Lexus GS 350 rates

Average Cost to Insure Per Year

$ 1784

List Price

$ 50365

Trims Available

Base - F SPORT

2016 Lexus GS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1689
Acuity$ 1689
Allied$ 1570
Allied$ 1570
Arbella$ 1922
Arbella$ 1922
Country$ 1879
Country$ 1879
Erie$ 1129
Erie$ 1129
Mercury$ 1786
Mercury$ 1786
Nationwide$ 1623
Nationwide$ 1623
Plymouth Rock Insurance$ 1738
Plymouth Rock Insurance$ 1738
Tennessee Farmers$ 1333
Tennessee Farmers$ 1333
Texas Farm Bureau$ 1436
Texas Farm Bureau$ 1436
USAA$ 1447
USAA$ 1447
Vermont Mutual$ 1824
Vermont Mutual$ 1824

Compare all 2016 Lexus GS 350 rates

Average Cost to Insure Per Year

$ 1952

List Price

$ 50000

Trims Available

Base - F SPORT

2015 Lexus GS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1606
Acuity$ 1606
Country$ 1805
Country$ 1805
Erie$ 1042
Erie$ 1042
GEICO$ 1822
GEICO$ 1822
Mercury$ 1754
Mercury$ 1754
Nationwide$ 1731
Nationwide$ 1731
Plymouth Rock Insurance$ 1691
Plymouth Rock Insurance$ 1691
State Farm$ 1570
State Farm$ 1570
Tennessee Farmers$ 1701
Tennessee Farmers$ 1701
Texas Farm Bureau$ 1272
Texas Farm Bureau$ 1272
USAA$ 1311
USAA$ 1311
Vermont Mutual$ 1712
Vermont Mutual$ 1712

Compare all 2015 Lexus GS 350 rates

Average Cost to Insure Per Year

$ 1715

List Price

$ 48600

Trims Available

Base - Crafted Line

2014 Lexus GS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1442
Acuity$ 1442
Arbella$ 1767
Arbella$ 1767
Country$ 1687
Country$ 1687
Erie$ 1113
Erie$ 1113
Mercury$ 1736
Mercury$ 1736
Nationwide$ 1865
Nationwide$ 1865
Plymouth Rock Insurance$ 1647
Plymouth Rock Insurance$ 1647
Southern Farm Bureau$ 1754
Southern Farm Bureau$ 1754
Tennessee Farmers$ 1559
Tennessee Farmers$ 1559
Texas Farm Bureau$ 1269
Texas Farm Bureau$ 1269
USAA$ 1349
USAA$ 1349
Vermont Mutual$ 1490
Vermont Mutual$ 1490

Compare all 2014 Lexus GS 350 rates

Average Cost to Insure Per Year

$ 1735

List Price

$ 47700

Trims Available

Base

2013 Lexus GS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1412
Acuity$ 1412
Allied$ 1665
Allied$ 1665
Arbella$ 1612
Arbella$ 1612
Erie$ 1026
Erie$ 1026
Nationwide$ 1671
Nationwide$ 1671
Plymouth Rock Insurance$ 1582
Plymouth Rock Insurance$ 1582
Southern Farm Bureau$ 1669
Southern Farm Bureau$ 1669
State Farm$ 1658
State Farm$ 1658
Tennessee Farmers$ 1503
Tennessee Farmers$ 1503
Texas Farm Bureau$ 1234
Texas Farm Bureau$ 1234
USAA$ 1187
USAA$ 1187
Vermont Mutual$ 1410
Vermont Mutual$ 1410

Compare all 2013 Lexus GS 350 rates

Average Cost to Insure Per Year

$ 1687

List Price

$ 46900

Trims Available

Base

2011 Lexus GS 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1236
Acuity$ 1236
Allied$ 1478
Allied$ 1478
American Family$ 1553
American Family$ 1553
Arbella$ 1298
Arbella$ 1298
Erie$ 988
Erie$ 988
Nationwide$ 1542
Nationwide$ 1542
Plymouth Rock Insurance$ 1464
Plymouth Rock Insurance$ 1464
Southern Farm Bureau$ 1471
Southern Farm Bureau$ 1471
Tennessee Farmers$ 1369
Tennessee Farmers$ 1369
Texas Farm Bureau$ 1120
Texas Farm Bureau$ 1120
USAA$ 1138
USAA$ 1138
Vermont Mutual$ 1185
Vermont Mutual$ 1185

Compare all 2011 Lexus GS 350 rates

Average Cost to Insure Per Year

$ 1522

List Price

$ 46900

Trims Available

Base