When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
On average, Lexus car insurance costs an average of $3,439 a year or $287 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Lexus model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Lexus is $3,439 per year.
- The NX is the cheapest Lexus model to insure.
- Advanced safety features that come standard on Lexus models help lower your insurance costs.
Average cost of car insurance for a Lexus, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Lexus car insurance rates from various insurance companies.
Cost to insure a Lexus, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $2,204 | $1,102 | $184 |
| State Farm | $2,870 | $1,435 | $239 |
| GEICO | $2,915 | $1,457 | $243 |
| Nationwide | $2,995 | $1,497 | $250 |
| Progressive | $3,015 | $1,507 | $251 |
| Allstate | $4,579 | $2,290 | $382 |
| Farmers | $4,621 | $2,310 | $385 |
| USAA | $2,567 | $1,284 | $214 |
Lexus average insurance rates, by model
Lexus NX car insurance cost
The average car insurance premium for Lexus NX is $233 per month, which translates to $2,790 per year. The most affordable company for a Lexus NX is Travelers with a rate of $159 monthly or $1,905 per year.
Lexus UX car insurance cost
The average car insurance premium for Lexus UX is $233 per month, which translates to $2,793 per year. The most affordable company for a Lexus UX is Travelers with a rate of $164 monthly or $1,966 per year.
Lexus RX car insurance cost
For Lexus RX owners, the average car insurance cost is $244 per month or $2,922 annually. Travelers offers the most affordable insurance premiums with an average annual cost of $1,921 or $160 per month.
Lexus NX Hybrid car insurance cost
Car insurance costs an average of $245 per month, which adds up to $2,941 a year for a Lexus NX Hybrid. Among the companies analyzed, Travelers stands out as the most affordable option, at an average annual cost of $1,924 or $160 per month.
Lexus GX car insurance cost
The average monthly car insurance premium for a Lexus GX is $255 , which totals $3,063 annually. GEICO offers the cheapest rate at $159 per month or $1,908 annually.
Lexus RZ car insurance cost
The average car insurance premium for Lexus RZ is $259 per month, which translates to $3,106 per year. The most affordable company for a Lexus RZ is Travelers with a rate of $161 monthly or $1,928 per year.
Insurance rates by car model
The average cost of car insurance for a Lexus, by age
The cost of Lexus car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Lexus by the driver’s age.
Cost to insure a Lexus, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Lexus ES | $10,515 | $5,258 | $876 |
| 18 | Lexus ES Hybrid | $10,936 | $5,468 | $911 |
| 18 | Lexus GX | $10,041 | $5,021 | $837 |
| 18 | Lexus IS | $11,984 | $5,992 | $999 |
| 18 | Lexus LC | $16,614 | $8,307 | $1,384 |
| 18 | Lexus LS | $15,497 | $7,749 | $1,291 |
| 18 | Lexus LX | $15,818 | $7,909 | $1,318 |
| 18 | Lexus NX | $9,206 | $4,603 | $767 |
| 18 | Lexus NX Hybrid | $9,672 | $4,836 | $806 |
| 18 | Lexus RC | $11,521 | $5,761 | $960 |
| 18 | Lexus RC F | $14,307 | $7,153 | $1,192 |
| 18 | Lexus RX | $9,578 | $4,789 | $798 |
| 18 | Lexus RX Hybrid | $10,300 | $5,150 | $858 |
| 18 | Lexus RZ | $10,097 | $5,049 | $841 |
| 18 | Lexus TX | $10,867 | $5,433 | $906 |
| 18 | Lexus UX | $9,141 | $4,571 | $762 |
Cost to insure a Lexus, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Lexus ES | $3,181 | $1,590 | $265 |
| 40 | Lexus ES Hybrid | $3,338 | $1,669 | $278 |
| 40 | Lexus GX | $3,063 | $1,531 | $255 |
| 40 | Lexus IS | $3,623 | $1,812 | $302 |
| 40 | Lexus LC | $5,117 | $2,559 | $426 |
| 40 | Lexus LS | $4,827 | $2,414 | $402 |
| 40 | Lexus LX | $4,995 | $2,497 | $416 |
| 40 | Lexus NX | $2,790 | $1,395 | $233 |
| 40 | Lexus NX Hybrid | $2,941 | $1,471 | $245 |
| 40 | Lexus RC | $3,489 | $1,744 | $291 |
| 40 | Lexus RC F | $4,341 | $2,171 | $362 |
| 40 | Lexus RX | $2,922 | $1,461 | $244 |
| 40 | Lexus RX Hybrid | $3,172 | $1,586 | $264 |
| 40 | Lexus RZ | $3,106 | $1,553 | $259 |
| 40 | Lexus TX | $3,351 | $1,675 | $279 |
| 40 | Lexus UX | $2,793 | $1,397 | $233 |
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Lexus car insurance rates by state
Your location significantly impacts your Lexus car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Lexus car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $3,182 | $1,591 | $265 |
| Alabama | $2,996 | $1,498 | $250 |
| Arkansas | $3,894 | $1,947 | $324 |
| Arizona | $3,574 | $1,787 | $298 |
| California | $4,223 | $2,112 | $352 |
| Colorado | $4,080 | $2,040 | $340 |
| Connecticut | $3,947 | $1,974 | $329 |
| Washington, D.C. | $4,477 | $2,239 | $373 |
| Delaware | $3,870 | $1,935 | $323 |
| Florida | $3,852 | $1,926 | $321 |
| Georgia | $3,476 | $1,738 | $290 |
| Hawaii | $1,976 | $988 | $165 |
| Iowa | $2,983 | $1,492 | $249 |
| Idaho | $2,400 | $1,200 | $200 |
| Illinois | $2,901 | $1,451 | $242 |
| Indiana | $2,411 | $1,205 | $201 |
| Kansas | $3,364 | $1,682 | $280 |
| Kentucky | $4,018 | $2,009 | $335 |
| Louisiana | $5,736 | $2,868 | $478 |
| Massachusetts | $2,892 | $1,446 | $241 |
| Maryland | $3,710 | $1,855 | $309 |
| Maine | $2,233 | $1,116 | $186 |
| Michigan | $4,708 | $2,354 | $392 |
| Minnesota | $3,293 | $1,647 | $274 |
| Missouri | $3,403 | $1,701 | $284 |
| Mississippi | $3,875 | $1,937 | $323 |
| Montana | $3,255 | $1,628 | $271 |
| North Carolina | $3,011 | $1,505 | $251 |
| North Dakota | $3,015 | $1,507 | $251 |
| Nebraska | $3,585 | $1,793 | $299 |
| New Hampshire | $2,333 | $1,167 | $194 |
| New Jersey | $3,878 | $1,939 | $323 |
| New Mexico | $3,430 | $1,715 | $286 |
| Nevada | $4,376 | $2,188 | $365 |
| New York | $3,750 | $1,875 | $312 |
| Ohio | $2,333 | $1,167 | $194 |
| Oklahoma | $3,847 | $1,924 | $321 |
| Oregon | $2,986 | $1,493 | $249 |
| Pennsylvania | $3,378 | $1,689 | $281 |
| Rhode Island | $3,690 | $1,845 | $308 |
| South Carolina | $3,795 | $1,898 | $316 |
| South Dakota | $3,925 | $1,962 | $327 |
| Tennessee | $2,989 | $1,494 | $249 |
| Texas | $3,858 | $1,929 | $322 |
| Utah | $2,714 | $1,357 | $226 |
| Virginia | $2,910 | $1,455 | $242 |
| Vermont | $2,375 | $1,188 | $198 |
| Washington | $2,724 | $1,362 | $227 |
| Wisconsin | $3,252 | $1,626 | $271 |
| West Virginia | $3,084 | $1,542 | $257 |
| Wyoming | $2,723 | $1,362 | $227 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Lexus car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans also tend to be cheaper to insure than sedans and other vehicle types. They are usually cheaper to repair because the back end of the vehicle is just an empty bed, it doesn’t have seating or other expensive electrical and safety components. Cheaper repairs result in cheaper insurance.
Cheapest Lexus models to insure
Smaller, budget-friendly Lexus models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Lexus models to insure
Luxury vehicles, sports cars, and SUVs generally rank as the most expensive types of vehicles for car insurance. Luxury vehicles and sports cars often attract higher insurance rates because they are more likely to be stolen and cost more to repair or replace. On the other hand, SUVs, especially larger ones, can lead to higher premiums due to their potential to cause more damage in an accident.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
How to save on car insurance for a Lexus
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Lexus discounts on car insurance
You can take advantage of all the available discounts to lower your Lexus car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
In addition, installing an anti-theft system or purchasing a new car might lower your premiums since some insurance companies offer new car insurance discounts. Personal factors can also lead to significant savings, such as discounts for good drivers or good students if you have a teen added to your policy.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Lexus insurance? It will depend on which model you choose. Lexus builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Lexus
Lexus is the luxury vehicle division of the Japanese automaker, Toyota. It was founded in 1989 with a commitment to design, craftsmanship and customer service. The brand’s lineup of vehicles encompasses a range of sedans, SUVs and coupes, all characterized by their refined aesthetics, superior comfort and innovative technologies.
Final thoughts on Lexus insurance costs
Lexus makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
No matter which Lexus model you choose, you can save money on your insurance by regularly comparing your coverage options, inquiring about available discounts and opting for the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Lexus?
Your driving history is one of the many factors affecting your Lexus car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Lexus affect the insurance premium?
The color of your Lexus does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Lexus affect insurance costs?
Your Lexus’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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