Compare Lexus Car Insurance Costs (2023)

How much does Lexus car insurance cost? 

Last Updated Sep 25, 2023

Best car insurance companies for Lexus drivers

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Insurance costs for popular Lexus models 

Safety features: Lexus models with advanced safety features, such as the Lexus UX, NX, and RX (IIHS Top Safety Pick+ winners), may have lower insurance costs due to being assessed as lower risk.
Vehicle value: Luxury Lexus models like the Lexus LS or Lexus LX tend to have higher insurance premiums due to their higher price tags. More affordable models like the Lexus ES 350 or NX may come with relatively lower insurance costs.
Vehicle class: SUVs generally have slightly higher insurance costs compared to sedans. Factors like size, weight, and safety features of the specific model can influence insurance premiums.
Engine size: Lexus vehicles with more powerful engines, such as the Lexus RC F, Lexus LC, or Lexus LS 500, may have higher insurance premiums due to the increased risk associated with their performance capabilities.
Availability of replacement parts: Newer Lexus models typically have readily available replacement parts which can help keep insurance prices in check. However, older or less common Lexus models may require rarer parts, potentially leading to higher premiums.
Cost of repairs: Luxury cars often have higher repair costs due to their advanced features, sophisticated technology, and premium materials. These higher repair costs can contribute to increased insurance premiums.

What insurance coverage do you need for your Lexus?

Lexus RX insurance costs 

RX 350: Starting at $48,950, the base RX 350 (FWD) is powered by a 275-horsepower turbo in-line 4-cylinder engine. Features include a spacious cabin, an 8.0-inch touchscreen display, Apple CarPlay and Android Auto compatibility, and a slew of standard safety features.
RX 350 Premium: Starting at $50,950, this trim enhances the base model with additions like a power tilt-and-slide moonroof, aluminum roof rails, heated and ventilated front seats, and a memory system for the driver’s seat, steering wheel, and outer mirrors.
RX 350 Premium Plus: Starting at $53,550, the RX 350 Premium Plus (FWD) adds a larger 14-inch touchscreen display, a leather-trimmed interior, a heated wood- and leather-trimmed steering wheel, and multi-zone climate control with automatic recirculation mode.
RX 350 Luxury: Starting at $56,950, the RX 350 Luxury (FWD) introduces a semi-aniline leather interior trim, 4-way lumbar support for the driver and passenger seats, suede interior door trim, 21-inch 20-spoke alloy wheels with Dark Metallic finish, and a head-up display.
RX 350 F Sport Handling: At a starting price of $58,150, this standard all-wheel-drive sporty trim introduces aluminum pedals, front seats with enhanced bolsters, a perforated leather-trimmed steering wheel and shift knob, and suede interior door trim.
RX 350h Luxury: Starting at $58,550, this hybrid trim with standard all-wheel drive mirrors the RX 350 Luxury but runs on a more fuel-efficient hybrid powertrain. 
RX 500h F Sport Performance: Starting at $63,150, this top-tier trim takes the F Sport Handling to the next level with a powerful hybrid powertrain generating 366 horsepower. Feature highlights include matte black finish 21-inch 10-spoke alloy wheels with summer tires, black brake calipers, and active sound control.

Last Updated Sep 24, 2023

Lexus GS insurance costs

GS 350: Starting at $51,065, the base GS 350 came with a 311-horsepower 3.5-liter V6 engine. Features included leather upholstery, a 12.3-inch display, Apple CarPlay and Android Auto compatibility—plus a suite of standard safety features.
GS 350 F Sport: Starting at $52,760, the GS 350 F Sport added sporty upgrades like variable gear-ratio steering, 16-way power-adjustable driver's seat, 19-inch split-five-spoke alloy wheels, and larger brakes with high-friction pads.
GS F: Starting at $85,010, the performance-oriented GS F was powered by a 5.0-liter V8 engine producing 467 horsepower. It came with active rear steering, a torque-vectoring differential, and Brembo brakes.

Last Updated Sep 29, 2023

Lexus NX insurance costs

NX 250: With a starting price of $40,305, the base NX 250 (FWD) is equipped with a 203-horsepower 2.5-liter inline-4 engine. It offers a 9.8-inch multimedia touchscreen display, Apple CarPlay and Android Auto compatibility, and an array of advanced safety features.
NX 350: Starting at $41,310, this trim introduces standard all-wheel drive and a more powerful 275-horsepower turbocharged inline-4 engine. The NX 350 includes standard active sound control and opens access to a range of optional add-ons and luxury packages.
NX 450h+ F Sport: Starting at $60,655, this sporty hybrid trim is equipped with a robust 304-horsepower powertrain. Its advanced features include adaptive suspension, lateral performance dampers, adaptive variable suspension, and 20-inch split-5-spoke alloy wheels with a Gloss Black finish.

Last Updated Sep 30, 2023

Lexus GX insurance costs

GX 460: With a starting price of $59,275, the GX 460 features a powerful 4.6-liter V8 engine offering301 horsepower. This base trim includes full-time four-wheel drive, a power moonroof, and a comprehensive suite of standard safety features—including 10 airbags, parking assist, and a blind spot monitor with rear cross-traffic alert.
GX 460 Premium: Starting at $60,610, the GX 460 Premium adds Gray Sapele wood with Aluminum trim interiors, heated and ventilated front seats, heated second-row outboard seats, tri-zone automatic climate control, and rain-sensing windshield wipers with a wiper de-icer.
GX 460 Luxury: At the top of the GX lineup, the GX 460 Luxury trim begins at $69,930 and takes refinement to the next level. It boasts semi-aniline leather interior trim, a wood- and leather-trimmed heated steering wheel, illuminated door-sill scuff plates, headlamp washers, and power-reclining and -folding third-row seats.

Are Lexus more expensive to insure?

Cheapest Lexus to insure

Most expensive Lexus to insure

What factors affect Lexus car insurance rates?

Vehicle cost: Luxury, high-performance, and sports cars typically have higher insurance costs for collision and comprehensive coverage due to their higher value and specialized features.
Vehicle age: Newer car models, especially those with advanced technology and higher market value, may result in higher insurance premiums compared to older models.
Cost of parts: Vehicles with expensive or less common parts can incur higher replacement and repair costs, posing greater risks for insurance companies.
Your age: Younger drivers, typically those under 25, often face higher insurance rates due to their limited driving experience. Senior drivers above the age of 70 may also encounter increased insurance rates.
Credit score: Your personal rate may be higher or lower depending on factors such as the model year, type of vehicle, location, and even your credit score. A higher credit score often correlates with lower insurance premiums.
Your driving record and claims history: Insurance companies generally offer lower rates to drivers with a clean driving record. Individuals with a history of car accidents, tickets, and driving violations usually face higher rates.
Location: Insurance costs vary based on where you keep your car, as factors such as road conditions, population density, theft rates, and other risk factors differ between zip codes.

Imports: Lexus vehicles are imported, which can lead to higher replacement costs compared to domestic models, affecting insurance rates.
Safety: Lexus is well-known for its commitment to safety, often earning excellent safety ratings across its vehicle lineup. This focus on safety can positively impact insurance rates.
Reliability: Lexus cars are renowned for their reliability and durability. With a lower rate of claims for these vehicles, insurance rates may be influenced positively.
Availability: Lexus is a popular brand, which typically results in cheaper and more accessible parts. The availability of affordable replacement parts can contribute to more reasonable insurance rates.

Lexus insurance cost for young drivers

Travelers

Kate (22 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Pylesville, MD

Lexus IS 350

$200

per month

Safeco

Bobby (23 years old)

Coverage

State Minimum

Las Vegas, NV

Lexus IS 250

$290

per month

Nationwide

Alvin (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Farmington, UT

Lexus CT 200

$76

per month

Travelers

Katherine (22 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Pacoima, CA

Lexus ES 300H

$360

per month

Bristol West

Nettie (19 years old)

Coverage

25,000 per person

50,000 per accident bodily injury

Ames, IA

Lexus ES 350

$101

per month

Lexus insurance cost for senior drivers

Progressive

Randy (67 years old)

Coverage

No Coverage

Fort Pierce, FL

Lexus IS 250

$99

per month

Safeco

Emilie (68 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

San Tan Valley, AZ

Lexus RX 350

$134

per month

Travelers

Harold (65 years old)

Coverage

State Minimum

Mount Pleasant, SC

Lexus GX 470

$62

per month

AAA

Genevieve (68 years old)

Coverage

State Minimum

Enfield, CT

Lexus ES 350

$247

per month

Plymouth Rock

Ina (66 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Lodi, NJ

Lexus ES 350

$250

per month

Lexus insurance cost for drivers with driving violations 

Speeding tickets
DUIs
At-fault accidents
Reckless driving
Driving on a suspended license

Cheapest car insurance for Lexus drivers with speeding ticket

Last Updated Sep 29, 2023

Cheapest car insurance for Lexus drivers with a DUI record

Progressive

Hattie (42 years old)

DUI

Coverage

State Minimum

Toledo, OH

Lexus IS 300

$289

per month

AAA

Eunice (35 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Collingdale, PA

Lexus IS 250

$310

per month

Allstate

Leila (37 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

San Gabriel, CA

Lexus IS 250

$173

per month

Travelers

Connor (37 years old)

DUI

Coverage

State Minimum

Durham, NC

Lexus LS 460

$197

per month

Clearcover

Bruce (42 years old)

DUI

Coverage

25,000 per person

50,000 per accident bodily injury

Comp / Collision

Bellflower, CA

Lexus ES 350

$172

per month

Cheapest car insurance for Lexus drivers after an accident

Last Updated Sep 28, 2023

Cheapest car insurance for Lexus drivers with other driving violations on their record

Last Updated Sep 29, 2023

How can I lower the cost of my Lexus car insurance?

Shop around:
Shop around for insurance coverage
and compare quotes from different insurance companies. Jerry simplifies this process by collecting free quotes from over 50 top insurance companies within minutes. Jerry can even assist you in purchasing your new policy and canceling your old one.
Choose a model wisely: When purchasing a new Lexus, research insurance rates for different models in advance. Opting for a used SUV instead of a flashy new car loaded with amenities can result in significant savings on insurance costs.
Bundle your policies: Consider
bundling your home and auto insurance
with the same insurer. This can lead to a reduced overall bill by taking advantage of multi-policy discounts.
Adjust coverage for older cars: If you own an older Lexus vehicle, consider
reducing coverage
to lower your insurance bill. This approach is particularly beneficial if the car's value is less than 10 times the premium you're paying.
Increase your deductible: By opting for a higher deductible, you can lower your monthly insurance payments. Keep in mind that a higher deductible means you'll be responsible for a larger out-of-pocket amount in the event of a claim.

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