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 F? 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 F insurance facts

  • Average full coverage auto insurance premium: $266/month

  • Most affordable companies: USAA ($161/month) & GEICO ($170/month)

  • GS F insurance cost vs. average rates: $241 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus GS F 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 F insurer costs by state:

Risk factors affecting Lexus GS F 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 F 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 F 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 F 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 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 insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lexus automobile owners when buying an insurance policy.

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

2020 Lexus GS F

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$3024
American Family$2746
Auto-Owners$2357
Erie$2248
Farmers$2690
GEICO$2015
Mercury$2906
MetLife$3519
Nationwide$2482
Progressive$2161
Safe Auto$3290
State Farm$2530
Tennessee Farmers$2876
Travelers$3153
USAA$1935
Vermont Mutual$3360

Compare all 2020 Lexus GS F rates

Average Cost to Insure Per Year

$3197

List Price

$85010

Trims Available

Base - Base Engine: 5.0L V8 · Power. 467 HP 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 F

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2860
American Family$2435
Auto-Owners$2168
Direct Auto$2715
Erie$2015
Farmers$2387
GEICO$1899
MetLife$3390
Nationwide$2253
Progressive$1935
Safe Auto$3016
State Farm$2306
Tennessee Farmers$2590
Travelers$2964
USAA$1820
Vermont Mutual$3128

Compare all 2019 Lexus GS F rates

Average Cost to Insure Per Year

$3152

List Price

$84600

Trims Available

Base - Base Engine: 5.0L V8 · Power. 467 HP 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 F

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2649
Acuity$ 2649
Allied$ 2161
Allied$ 2161
Arbella$ 2525
Arbella$ 2525
Country$ 2582
Country$ 2582
Erie$ 1898
Erie$ 1898
Mercury$ 1870
Mercury$ 1870
Nationwide$ 2274
Nationwide$ 2274
Plymouth Rock Insurance$ 1913
Plymouth Rock Insurance$ 1913
Progressive$ 2527
Progressive$ 2527
State Farm$ 2558
State Farm$ 2558
Tennessee Farmers$ 1253
Tennessee Farmers$ 1253
USAA$ 2283
USAA$ 2283

Compare all 2018 Lexus GS F rates

Average Cost to Insure Per Year

$ 3089

List Price

$ 84350

Trims Available

Base

2017 Lexus GS F

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 2195
Allied$ 2195
Arbella$ 2443
Arbella$ 2443
Country$ 2513
Country$ 2513
Erie$ 1830
Erie$ 1830
Mercury$ 1823
Mercury$ 1823
Nationwide$ 2316
Nationwide$ 2316
Plymouth Rock Insurance$ 1850
Plymouth Rock Insurance$ 1850
Progressive$ 2436
Progressive$ 2436
State Farm$ 2383
State Farm$ 2383
Tennessee Farmers$ 1253
Tennessee Farmers$ 1253
Texas Farm Bureau$ 1564
Texas Farm Bureau$ 1564
USAA$ 2158
USAA$ 2158

Compare all 2017 Lexus GS F rates

Average Cost to Insure Per Year

$ 2433

List Price

$ 83940

Trims Available

Base

2016 Lexus GS F

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 2218
Allied$ 2218
American Family$ 2603
American Family$ 2603
Arbella$ 2371
Arbella$ 2371
Country$ 2534
Country$ 2534
Erie$ 1776
Erie$ 1776
Mercury$ 1794
Mercury$ 1794
Nationwide$ 2374
Nationwide$ 2374
Plymouth Rock Insurance$ 1790
Plymouth Rock Insurance$ 1790
Progressive$ 2399
Progressive$ 2399
Tennessee Farmers$ 1256
Tennessee Farmers$ 1256
Texas Farm Bureau$ 1523
Texas Farm Bureau$ 1523
USAA$ 2133
USAA$ 2133

Compare all 2016 Lexus GS F rates

Average Cost to Insure Per Year

$ 2423

List Price

$ 84440

Trims Available

Base