Cost of Lexus Car Insurance (2025)

Lexus drivers pay an average of $139 per month for car insurance.

Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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Cheapest recent rates

Insurify’s drivers have found rates ranging from $36/mo. to $130/mo. in the last few days

*Quotes generated for Insurify users within the last 10 days. Last updated on April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Lexus is one of the most popular car brands, especially for drivers interested in luxury vehicles.[1] Pricing for the cheapest model starts around $40,000 and is comparable to pricing for mainstream brands like Chevrolet and Kia. But at $139 per month, the average cost of insurance for a Lexus is higher than the overall national average.

Lexus drivers pay $202 per month for full-coverage insurance and $114 for liability-only coverage. As you shop for the best Lexus insurance coverage, comparing quotes to get the best deal is essential.

Here’s what you need to know about finding the best car insurance as a Lexus driver.

Quick Facts
  • Depending on the model, average costs for Lexus car insurance range from $124 to $156 per month, according to Insurify data.

  • Toyota launched the Lexus luxury brand in 1989.

  • The Lexus RZ is the most expensive model to insure.

Cost of Lexus insurance by model

The model and year of your Lexus influence the cost of insurance. Based on average pricing, the Lexus GS-F is the cheapest model to insure, while the Lexus IS-F is the most expensive.

Here are the average insurance quotes for each Lexus model.

Lexus Model
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Lexus CT$198$113
Lexus ES$202$116
Lexus GS$203$114
Lexus GS-F$170$121
Lexus GX$197$113
Lexus HS$210$112
Lexus IS$206$116
Lexus IS-F$238$100
Lexus LC$234$110
Lexus LS$202$114
Lexus LX$207$114
Lexus NX$206$110
Lexus RX$201$115
Lexus RC$190$119
Lexus RC-F$187$115
Lexus RZ$211$146
Lexus SC$195$110
Lexus TX$172$89
Lexus UX$189$118
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cheapest Lexus insurance by model

Your Lexus model and which insurance company you choose will affect how much you pay for insurance. Car insurance companies determine rates in unique ways, so it’s important to compare quotes from multiple insurers at once. Some insurers even offer much lower pricing than average for specific Lexus models.

The following insurers offer the cheapest insurance rates for Lexus drivers.

  • The Lexus ES is a mid-range luxury sedan with a starting MSRP (manufacturer’s suggested retail price) of $43,215 for the 2025 model. It’s one of the cheapest Lexus vehicles, and average insurance costs fall right in the middle compared to other models.

    Some companies, including Mile Auto and Progressive, offer rates significantly lower than the average cost. Compare average quotes for the Lexus ES from top insurers below.

    Insurance Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    Mile Auto$68
    Root$93
    Progressive$97
    Commonwealth Casualty$106
    Dairyland$106
    Sun Coast$109
    National General$118
    Direct Auto$120
    Mercury$121
    CSAA$123
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • With a starting MSRP of $40,435, the Lexus IS is one of the brand’s cheapest models but one of the most expensive to insure. Lexus IS drivers pay an average of $143 per month. It’s important to compare auto insurance products and quotes for your Lexus IS to find the best deal.

    Here are the cheapest insurers for a Lexus IS.

    Insurance Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    Mile Auto$68
    Farmers$103
    Root$104
    Progressive$111
    Dairyland$113
    Mercury$124
    National General$124
    Direct Auto$124
    Kemper$136
    The General$141
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • The Lexus RX is the brand’s cheapest model to insure, with an average monthly cost of $139. It’s one of the bestselling luxury cars in the country and ranks as one of Kelley Blue Book’s best luxury SUVs.[2] The Lexus RX has a starting MSRP of $50,475.

    Drivers with a Lexus RX can find the best rates from Farmers, Mile Auto, and Progressive. Here are the most competitive auto insurance premiums for this model.

    Insurance Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    Farmers$44
    Mile Auto$69
    Progressive$88
    Root$101
    Dairyland$112
    Mercury$116
    National General$127
    The General$135
    Commonwealth Casualty$142
    Kemper$142
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Discontinued in 2020, used models of the Lexus GS are still available. The vehicle has a KBB Fair Purchase Price of $36,100. Lexus GS drivers pay higher insurance rates than drivers of most other Lexus models. The Lexus IS is the only model that costs more to insure.

    Here are average rates from the most affordable insurers.

    Insurance Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    Mile Auto$65
    Commonwealth Casualty$100
    Dairyland$100
    National General$116
    Progressive$117
    Direct Auto$118
    Mercury$120
    The General$128
    Bristol West$146
    Clearcover$162
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Lexus NX drivers can enjoy the vehicle’s comfortable interior and affordable compact SUV pricing. This model starts at $42,140, which is less expensive than many other Lexus options. Insurance prices are higher than expected compared to other models.

    Find the average cost of coverage from the cheapest insurers for the Lexus NX.

    Insurance Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    Mile Auto$71
    Dairyland$117
    CSAA$120
    National General$126
    Root$126
    Direct Auto$127
    Progressive$132
    Commonwealth Casualty$160
    Bristol West$169
    Foremost Signature$205
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • With a starting price of $81,685 for the 2025 model, the Lexus LS is one of the most expensive models. But despite the hefty price tag, insurance costs are surprisingly affordable compared to other Lexus models. Lexus LS drivers pay an average of $133 per month, and some insurers offer average rates significantly lower than that.

    Consider these average quotes from top insurers.

    Insurance Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    Mile Auto$64
    Root$100
    Commonwealth Casualty$107
    Direct Auto$117
    National General$118
    The General$127
    Dairyland$129
    GAINSCO$145
    Elephant$150
    Foremost Signature$185
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • The Lexus GX offers third-row seating and SUV capabilities with a starting price of $65,285 for the 2025 model. The GX underwent a complete redesign in 2023, and the 2025 model continues to focus on off-road capabilities and passenger accommodations. Insurance costs for the GS are lower than expected, especially compared to other Lexus models.

    The following insurers offer the best rates for Lexus GX drivers.

    Insurance Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    Mile Auto$71
    Root$100
    Dairyland$101
    National General$119
    Mercury$121
    Direct Auto$129
    Foremost Signature$129
    The General$139
    Clearcover$153
    Elephant$153
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Lexus discontinued the CT after the 2017 model, but you can still potentially find a used version of the car. It has a KBB Fair Purchase Price of $17,950. Having an older car usually results in lower insurance prices, which is true for average rates for the Lexus CT. Insurance for the CT averages $144 per month.

    Here are the average car insurance quotes for Lexus CT drivers.

    Insurance Company
    sort ascsort desc
    Average Monthly Quote
    sort ascsort desc
    Mile Auto$74
    Mercury$122
    National General$125
    Direct Auto$127
    Kemper Special$127
    Root$134
    Dairyland$149
    Commonwealth Casualty$150
    Clearcover$155
    Bristol West$161
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best companies for Lexus car insurance

As you search for the best insurance company for your Lexus, you should consider the company’s rates, customer service, coverage options, and discounts. Your driving history, age, location, and vehicle type affect how much you pay, which is why it’s essential to compare quotes.[3]

Here’s a closer look at three of the best car insurance companies for drivers of Lexus models.

Best for military members, veterans, and their families: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
4.9
Best choiceBased on 1,918 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,114)

Peter

April 16, 2025

Verified Review

Excellent Insurance, Although Expensive

I rely on the excellent support provided by USAA.

Richard

April 14, 2025

Verified Review

Auto Premiums Becoming Unaffordable for Senior Vets; Homeowners Insurance Not Direct

This company provided great car insurance for decades. However, increasing premiums have led me to start comparison shopping.

Alan

April 14, 2025

Verified Review

Time for a Change

Great experience.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s Overall Customer Satisfaction Index.

Pros
  • High customer satisfaction

  • Low premiums

  • SafePilot program rewards good driving with up to 30% discount

Cons
  • Only available to active-duty military, veterans, military spouses, or children of service members or veterans

  • No 24/7 customer phone support

  • Customer reviews are mixed for service and claims processing

Best for customer satisfaction: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$117/mo
4.2
Best choiceBased on 10,502 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,785)

Daniel

April 16, 2025

Verified Review

Good

It's expensive, but they are good at paying claims.

Betina

April 16, 2025

Verified Review

Great! Need Lower Cost!

The experience is great! As a retired senior citizen, I'm struggling to make ends meet. I need a cheaper/lower cost premium.

Juanita

April 16, 2025

Verified Review

I am the Policyholder

I am very satisfied. I wouldn't go anywhere else.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

  • Savings for bundling auto with home, renters, condo, or life insurance

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

  • Accident forgiveness limited to longtime customers with clean driving records

Best for drivers older than 25: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo
4.0
Best choiceBased on 11,420 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,246)

Joel

April 16, 2025

Verified Review

Best rates out there

Excellent.

Juan

April 16, 2025

Verified Review

Excellent

Very good.

Paul

April 16, 2025

Verified Review

Price

It's good, but the price is increasing every year and it's not worth it.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

  • A+ (Superior) financial strength rating from AM Best

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

  • Lower customer satisfaction scores from J.D. Power

Shop for Lexus Insurance

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Average cost of Lexus insurance by state

Where you live, even down to the ZIP code, can affect how much you pay for car insurance. Different areas have different crime levels, accident levels, and weather patterns that insurers consider when setting rates.

The table below shows how your rates fluctuate based on which state you live in.

Average Monthly Cost by State

State
sort ascsort desc
Average Monthly Rate
sort ascsort desc
Alabama$142
Arkansas$132
Arizona$130
California$123
Colorado$138
Connecticut$151
District of Columbia$182
Delaware$154
Florida$176
Georgia$140
Iowa$137
Idaho$125
Illinois$135
Indiana$141
Kansas$130
Kentucky$138
Louisiana$124
Massachusetts$169
Maryland$172
Maine$137
Michigan$176
Minnesota$131
Missouri$129
Mississippi$155
Montana$121
North Carolina$113
North Dakota$151
Nebraska$136
New Hampshire$169
New Jersey$115
New Mexico$150
Nevada$166
Ohio$132
Oklahoma$134
Oregon$117
Pennsylvania$167
Rhode Island$116
South Carolina$176
South Dakota$92
Tennessee$132
Texas$143
Utah$139
Virginia$157
Vermont$246
Washington$132
Wisconsin$128
West Virginia$138

Source: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Insufficient data is available to show results for Alaska, Hawaii, New York, and Wyoming.

How to ensure you have enough coverage on your Lexus

Because Lexus is a luxury car brand, you can face expensive vehicle repair and replacement costs if you have an accident or experience a loss. It’s critical to ensure that you have robust enough insurance to cover future claims.

Here are standard coverage options to consider:

  • illustration card https://a.storyblok.com/f/162273/150x150/0a6ece6bd6/insurify-icons-auto-green-96x96_013-family.svg

    Bodily injury liability coverage

    If you cause an accident, bodily injury liability helps pay for the other driver’s medical treatment. Most states require drivers to have this coverage.

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability coverage

    This coverage pays for repairs and necessary services if you damage another driver’s car. Most states mandate this coverage as part of minimum liability insurance.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision incident damages your car, comprehensive coverage pays for repairs. This can include damage from severe weather, vandalism, fire, theft, and more.

  • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

    Collision coverage

    Regardless of who causes the accident, collision coverage helps pay for your vehicle repairs. If you cause an accident and don’t have this coverage, you must pay for your car repairs out of pocket.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage can pay for the costs of medical treatment and funeral expenses for you and your passengers following an accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    PIP insurance can cover medical and non-medical expenses related to injury and loss from an accident for you and your passengers.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Even though most states mandate liability insurance, some drivers don’t have any or enough coverage. If one of those drivers causes an accident, uninsured/underinsured motorist coverage helps pay for your injuries and vehicle repairs.

Lexus insurance FAQs

As you search for coverage for your Lexus, it’s essential to consider quotes from multiple insurers, as well as their policy options, discount offerings, and customer satisfaction.

  • Mile Auto offers the cheapest insurance quotes for all Lexus models in the United States. Other affordable options include Farmers and Root. Your age, ZIP code, driving experience, vehicle safety features, and driving record all have an effect on your car insurance rates. You might find better rates with different insurance companies depending on those factors.

  • It depends on the model. Lexus owners spend an overall average of $139 per month for insurance, which breaks down to $114 per month for liability coverage and $202 for full coverage.

  • The average insurance premium for a Lexus ES 350 is $116 per month for liability only and $202 for full coverage. Insurance costs for this model are comparable to similar models. The ES isn’t the most or least expensive model to insure.

  • Most states mandate liability insurance, meaning you must have coverage for your Lexus. But insurance experts typically recommend that drivers with expensive cars opt for a full-coverage policy, which provides additional coverage beyond the minimum requirements and can lead to savings if you need to file a claim.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. J.D. Power. "10 Most Popular Luxury Cars."
  2. Kelley Blue Book. "Best Luxury Midsize SUVs."
  3. III. "What determines the price of an auto insurance policy?."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Taylor has been a contributor at Insurify since February 2023.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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