If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Lexus costs? Here’s what you need to know.
According to CarInsurance.com’s rate analysis, the average annual cost for Lexus car insurance is $3,065 or $255 per month. Remember that your specific rates may vary depending on the Lexus model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Lexus is $3,065 per year.
- The UX 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 |
|---|---|---|---|
| State Farm | $2,444 | $1,222 | $204 |
| Nationwide | $2,605 | $1,302 | $217 |
| Geico | $2,670 | $1,335 | $222 |
| Progressive | $2,820 | $1,410 | $235 |
| Farmers | $3,747 | $1,873 | $312 |
| Allstate | $4,210 | $2,105 | $351 |
Lexus average insurance rates, by model
Lexus UX car insurance cost
Car insurance costs $208 per month or $2,490 a year on average for a Lexus UX, according to CarInsurance.com’s data study. State Farm has the cheapest car insurance rates for Lexus UX among the companies analyzed. Its average annual cost for a Lexus UX is $2,093 or $174 per month.
Lexus RX car insurance cost
On average, car insurance for a Lexus RX costs $213 a month or $2,555 per year. State Farm has the cheapest car insurance cost for a Lexus RX at $164 per month, equating to $1,962 annually.
Lexus NX car insurance cost
The average car insurance premium is $218 per month, which adds up to $2,612 each year for a Lexus NX. State Farm is the cheapest car insurance company, with a monthly rate of $180, which translates to an annual cost of $2,154.
Lexus NX Hybrid car insurance cost
The average car insurance premium for Lexus NX Hybrid is $222 per month, which translates to $2,668 per year. The most affordable company for a Lexus NX Hybrid is Nationwide with a rate of $177 monthly or $2,124 per year.
Lexus RX Hybrid car insurance cost
Car insurance cost for a Lexus RX Hybrid is $2,725 a year or $227 monthly. If you own a Lexus RX Hybrid, State Farm has the cheapest car insurance rates with an average annual premium of $2,086 or $174 per month.
Lexus ES car insurance cost
The average car insurance premium for Lexus ES is $244 per month, which translates to $2,924 per year. The most affordable company for a Lexus ES is Nationwide with a rate of $187 monthly or $2,243 per year.
Insurance rates by car model
The average cost of car insurance for a Lexus, by driver age
Your age is an important rating factor in determining your Lexus car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
Car insurance costs generally decrease as drivers gain more experience and avoid getting tickets and filing claims. However, when drivers turn 60, insurance rates tend to rise again. The tables below show Lexus insurance costs based on 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 | $11,172 | $5,586 | $931 |
| 18 | Lexus ES Hybrid | $11,238 | $5,619 | $936 |
| 18 | Lexus IS | $12,415 | $6,207 | $1,035 |
| 18 | Lexus LC | $16,610 | $8,305 | $1,384 |
| 18 | Lexus LS | $15,387 | $7,693 | $1,282 |
| 18 | Lexus LX | $13,972 | $6,986 | $1,164 |
| 18 | Lexus NX | $9,907 | $4,954 | $826 |
| 18 | Lexus NX Hybrid | $10,088 | $5,044 | $841 |
| 18 | Lexus RC | $12,122 | $6,061 | $1,010 |
| 18 | Lexus RC F | $15,339 | $7,670 | $1,278 |
| 18 | Lexus RX | $9,599 | $4,799 | $800 |
| 18 | Lexus RX Hybrid | $10,073 | $5,036 | $839 |
| 18 | Lexus TX | $11,050 | $5,525 | $921 |
| 18 | Lexus UX | $9,488 | $4,744 | $791 |
Cost to insure a Lexus, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Lexus ES | $2,924 | $1,462 | $244 |
| 40 | Lexus ES Hybrid | $2,951 | $1,476 | $246 |
| 40 | Lexus IS | $3,223 | $1,611 | $269 |
| 40 | Lexus LC | $4,437 | $2,218 | $370 |
| 40 | Lexus LS | $4,158 | $2,079 | $346 |
| 40 | Lexus LX | $3,800 | $1,900 | $317 |
| 40 | Lexus NX | $2,612 | $1,306 | $218 |
| 40 | Lexus NX Hybrid | $2,668 | $1,334 | $222 |
| 40 | Lexus RC | $3,173 | $1,587 | $264 |
| 40 | Lexus RC F | $4,074 | $2,037 | $340 |
| 40 | Lexus RX | $2,555 | $1,277 | $213 |
| 40 | Lexus RX Hybrid | $2,725 | $1,363 | $227 |
| 40 | Lexus TX | $3,020 | $1,510 | $252 |
| 40 | Lexus UX | $2,490 | $1,245 | $208 |
Lexus car insurance rates by state
When it comes to insuring your Lexus, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Lexus car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,767 | $1,384 | $231 |
| Alabama | $2,866 | $1,433 | $239 |
| Arkansas | $3,273 | $1,637 | $273 |
| Arizona | $2,848 | $1,424 | $237 |
| California | $3,818 | $1,909 | $318 |
| Colorado | $3,974 | $1,987 | $331 |
| Connecticut | $3,149 | $1,574 | $262 |
| Washington, D.C. | $3,585 | $1,793 | $299 |
| Delaware | $2,926 | $1,463 | $244 |
| Florida | $3,342 | $1,671 | $279 |
| Georgia | $3,856 | $1,928 | $321 |
| Hawaii | $1,816 | $908 | $151 |
| Iowa | $2,652 | $1,326 | $221 |
| Idaho | $2,071 | $1,036 | $173 |
| Illinois | $2,993 | $1,496 | $249 |
| Indiana | $2,769 | $1,385 | $231 |
| Kansas | $3,222 | $1,611 | $268 |
| Kentucky | $3,778 | $1,889 | $315 |
| Louisiana | $4,753 | $2,376 | $396 |
| Massachusetts | $2,831 | $1,415 | $236 |
| Maryland | $2,853 | $1,427 | $238 |
| Maine | $2,209 | $1,105 | $184 |
| Michigan | $3,898 | $1,949 | $325 |
| Minnesota | $3,429 | $1,714 | $286 |
| Missouri | $3,911 | $1,956 | $326 |
| Mississippi | $3,211 | $1,605 | $268 |
| Montana | $3,240 | $1,620 | $270 |
| North Carolina | $2,643 | $1,322 | $220 |
| North Dakota | $2,862 | $1,431 | $239 |
| Nebraska | $3,369 | $1,684 | $281 |
| New Hampshire | $2,304 | $1,152 | $192 |
| New Jersey | $2,898 | $1,449 | $241 |
| New Mexico | $3,194 | $1,597 | $266 |
| Nevada | $2,772 | $1,386 | $231 |
| New York | $2,379 | $1,190 | $198 |
| Ohio | $2,135 | $1,068 | $178 |
| Oklahoma | $3,286 | $1,643 | $274 |
| Oregon | $2,878 | $1,439 | $240 |
| Pennsylvania | $3,123 | $1,562 | $260 |
| Rhode Island | $3,636 | $1,818 | $303 |
| South Carolina | $2,685 | $1,343 | $224 |
| South Dakota | $3,912 | $1,956 | $326 |
| Tennessee | $3,337 | $1,668 | $278 |
| Texas | $4,314 | $2,157 | $360 |
| Utah | $2,485 | $1,243 | $207 |
| Virginia | $2,257 | $1,128 | $188 |
| Vermont | $2,394 | $1,197 | $200 |
| Washington | $2,635 | $1,318 | $220 |
| Wisconsin | $2,358 | $1,179 | $197 |
| West Virginia | $2,978 | $1,489 | $248 |
| Wyoming | $3,359 | $1,680 | $280 |
Average car insurance cost for different vehicle makes
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To find affordable Lexus car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Lexus models to insure
Opting for smaller, less costly Lexus models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade 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, senior agent with A Plus Insurance. “If you are younger and 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 and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of 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
To reduce the cost of your Lexus insurance, ensure that you take advantage of all available discounts. Insurance companies offer a range of discounts that can significantly lower 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.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“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 about Lexus insurance premiums? The insurance rates vary based on the specific model you choose. Since Lexus manufactures various vehicles, the insurance premiums differ accordingly.
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.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
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.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering a new vehicle or insurance 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 offers a diverse range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase 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 July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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