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Cheapest Lexus Car Insurance (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Lexus.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Compare Lexus Car Insurance Costs (2023)

Lexus, the luxury vehicle division of Toyota, excels in bridging the realms of comfort, safety, and technology. With a diverse range of offerings, from sleek hybrids to exhilarating performance coupes, Lexus proudly demonstrates its mastery in crafting versatile luxury vehicles. 
While it’s easy to get caught up in the excitement of driving a Lexus, it’s important to consider the financial aspects of owning one—including insurance costs. On average, Lexus drivers pay around $1,164 per year for
auto insurance
.
Keep in mind that this is an average. Your personal rate may be higher or lower spending on factors such as the model year, type of vehicle, and location. There’s no such thing as a real “average” auto insurance quote for all. 

How much does Lexus car insurance cost? 

The good news is that there are tools and resources available to help shop for
car insurance quotes
that won’t break the bank. Jerry has assisted 12612 Lexus drivers in saving an average of $2,563 on their auto insurance. Check out some real recent quotes:
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
July 16, 2024
Lexus ES 350 F-SportTravelers
$142
• 100,000/300,000 Liability
• Comp / Collision
July 10, 2024
Lexus IS 350 F-SportSafeco
$193
• 50,000/100,000 Liability
• Comp / Collision
July 8, 2024
Lexus IS 200TAllstate
$192
• 100,000/300,000 Liability
• Comp / Collision
July 5, 2024
Lexus RX 350Mercury
$84
• 50,000/100,000 Liability
• Comp / Collision
July 5, 2024
Lexus LS 460Nationwide
$95
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 16, 2024

Best car insurance companies for Lexus drivers

Finding the best insurance company to suit every Lexus driver's needs is an impossible task, considering the numerous factors that influence rates. It's no wonder that
shopping for car insurance
can be overwhelming for so many car owners.
To provide some guidance, Jerry conducted a survey to gather insights from Lexus drivers about their firsthand experiences with insurance companies, including popular providers like Allstate.
Explore the results below to see how insurers compare in terms of cost, claims handling, and customer service.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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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.
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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
Happy with my rate!
Andrea
Progressive
Excellent help pretty accurate quote
Chantal
Dairyland
Was able to do everything online, and easily!
Emiliano
National General
Easy and fast!
Kevin

Are Lexus more expensive to insure?

When compared to the average cost of other cars, the cost of insuring a Lexus vehicle is 2% more.
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Subaru
$85
$155
Cadillac
$97
$198
Lexus
$97
$194
Nissan
$98
$185
Infiniti
$105
$213

Cheapest Lexus to insure

The most affordable Lexus model to insure is the 2022 Lexus RX, with an average monthly premium of $23 for state minimum coverage and an average of $208 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2022 Lexus RX
$81
$208
2010 Lexus Lecus GX
$81
$283
2013 Lexus CT
$81
$193
2014 Lexus GX
$81
$153
2012 Lexus Lexuc ES
$81
$188

Most expensive Lexus to insure

The 2018 Lexus ES is the most expensive Lexus model to insure, with an average monthly premium of $187 for state minimum coverage and an average of $252 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2018 Lexus ES
$151
$252
2013 Lexus LS
$151
$283
2021 Lexus GX
$151
$203
2017 Lexus IS
$151
$283
2016 Lexus CT
$151
$203
Note that the cost of insurance is influenced by various factors including your driving history, location, and more. Shopping for personalized insurance quotes will provide the most accurate information than relying on average figures. 

What factors affect Lexus car insurance rates?

Several factors contribute to the
calculation of car insurance
premiums, including:
  • 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.
Here are a few factors that influence auto insurance rates for Lexus vehicles:
  • 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

Teen drivers
aged 16 to 19 face the highest insurance rates across all driver age groups. For young drivers who own a Lexus, obtaining full coverage is essential due to their higher accident rate compared to more experienced drivers.

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Eleanor (21 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationDurham, NC
carLexus HS 250H
$287
per month
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Olive (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carLexus RX 350
$529
per month
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Sara (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carLexus GS 350
$212
per month
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Ruby (24 years old)
coverageCoverage
State Minimum
carLexus IS 250
$423
per month
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Bettie (23 years old)
coverageCoverage
State Minimum
$125
per month

Lexus insurance cost for senior drivers

As drivers enter their mid-70s, car insurance rates tend to increase. Senior drivers are considered more susceptible to accidents, which contributes to higher insurance costs. Additionally, the potential for severe injuries in the event of a collision leads to significant medical expenses, ultimately resulting in higher
car insurance rates for seniors

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Emilie (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carLexus RX 350
$134
per month
card cover
Virgie (66 years old)
coverageCoverage
State Minimum
carLexus GX 470
$130
per month
card cover
Lenora (68 years old)
coverageCoverage
State Minimum
carLexus ES 350
$247
per month
card cover
Ina (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carLexus ES 350
$250
per month
card cover
Clearcover
Francis (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carLexus RX 350
$195
per month

Lexus insurance cost for drivers with driving violations 

Insurance costs for Lexus vehicles also depend on your driving record. Lexus drivers without violations or at-fault accidents enjoy the lowest rates. However, if you have any of the following on your record within the last three to five years, you may face a surcharge on your coverage.
  • Speeding tickets
  • DUIs
  • At-fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Lexus drivers with speeding ticket

While a single ticket for exceeding the speed limit by a small margin may not significantly impact your Lexus insurance premiums, multiple tickets or a serious speeding offense could lead to increased rates. Jerry takes pride in assisting Lexus drivers with different types of speeding tickets on their record to find affordable car insurance options.

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Lexus LS 460Travelers
$197
• State Minimum Liability
• Comp / Collision
Speeding 6-10
Lexus GX 460 PremiumNationwide
$82
• 50,000/100,000 Liability
• Comp / Collision
Speeding 11-15
Lexus GS 350Safeco
$140
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Lexus IS 350
Gainsco
$250
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 20, 2024

Cheapest car insurance for Lexus drivers with a DUI record

Having
a DUI conviction
on your record can result in different rates across insurance companies. Finding low-cost options after a DUI may require comparing rates from multiple insurers. Jerry has successfully helped numerous Lexus drivers secure affordable auto insurance coverage options even after a DUI conviction.

card cover
Hattie (42 years old)
DUI
coverageCoverage
State Minimum
locationToledo, OH
carLexus IS 300
$289
per month
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Eunice (35 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carLexus IS 250
$310
per month
card cover
Leila (37 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carLexus IS 250
$173
per month
card cover
Connor (37 years old)
DUI
coverageCoverage
State Minimum
locationDurham, NC
carLexus LS 460
$197
per month
card cover
Evelyn (57 years old)
DUI
coverageCoverage
State Minimum
carLexus IS 350
$70
per month

Cheapest car insurance for Lexus drivers after an accident

Your car accident or claims history is a significant factor in determining your Lexus car insurance premiums. If you have been involved in an at-fault accident recently, your insurance rates could rise significantly. Jerry has a track record of helping Lexus drivers save money on car insurance following accidents. 

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Lexus ES 350Allstate
$242
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Lexus ES 350AAA
$169
• State Minimum Liability
• Comp / Collision
At Fault With Injury
Lexus ES 350 F-SportTravelers
$142
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Lexus IS 250Nationwide
$235
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Lexus RC 350Plymouth Rock
$240
• 15,000/30,000 Liability
• Comp / Collision
coverageLast Updated Jul 18, 2024

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

In addition to speeding tickets and DUIs, other driving violations like reckless driving and
driving on a suspended license
can also lead to increased car insurance costs. We have put together a list of various driving violations and how Jerry has assisted Lexus drivers with violations secure affordable car insurance.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Lexus RX 330Progressive
$115
• State Minimum Liability
Defective Equipment
Lexus ES 350Safeco
$81
• State Minimum Liability
Failure to Obey Signal
Lexus RX 350Nationwide
$66
• 100,000/300,000 Liability
• Comp / Collision
Wrong Way/Wrong Lane
Lexus GS 350Allstate
$72
• State Minimum Liability
Cell Phone
Lexus ES 350
Clearcover
$190
• 300,000/500,000 Liability
• Comp / Collision
Careless Driving
Lexus ES 350State Auto
$236
• 30,000/60,000 Liability
• Comp / Collision
Driving on Sus. License
Lexus GS 430National General
$76
• State Minimum Liability
Failure to Obey Signal
Lexus NX 200TProgressive
$148
• State Minimum Liability
• Comp / Collision
Seat Belt
Lexus RX 350Aspire Advantage
$78
• State Minimum Liability
Improper Passing
Lexus IS 250State Auto
$139
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 20, 2024

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

There are several strategies to help lower the cost of insuring a Lexus vehicle.
  • 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.

FAQs

The average Lexus insurance cost is around $97 per month.
As a luxury brand, Lexus vehicles may have higher insurance costs compared to mainstream brands. Some factors that can influence the cost of insurance include the vehicle's value, repair costs, safety features, theft rates, and the driver's profile (such as age, driving history, and location). Additionally, the specific model and trim level of the Lexus vehicle can also impact insurance costs.
Lexus vehicles are generally considered to be in the luxury segment, which is associated with higher price tags compared to non-luxury brands. However, the cost of Lexus vehicles can vary depending on the specific model and trim level, offering options for various budgets and preferences.
The most affordable Lexus model for 2023 is the UX, a subcompact crossover hybrid SUV with a starting MSRP of $36,490. It should be noted that this pricing is a generalization based on the manufacturer's suggested retail price and may vary depending on geographic factors, market demand, optional features, and dealership pricing strategies.
Broadly speaking, as luxury brands, Lexus and Infiniti generally have similar insurance costs. 
It’s important to note, however, that insurance rates are influenced by various factors, including the specific models, trim levels, driver's profile, and the chosen insurance provider.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.