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Compare quotes for Lexus car insurance cost, 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of Lexus car insurance is $2,804 per year. But the exact cost of Lexus insurance varies based on your model, driving record, and location—and your insurance company.
Finding the right car insurance for your Lexus is about a lot more than just choosing the “right” provider. You and a friend may both head to the dealership and pick up the same Lexus LS on the same day, but you’ll have different car insurance premiums based on a number of factors. In this article, we’ll break down each of those factors to help you find the best cheap car insurance for your Lexus.
Luckily, the first step to finding the best insurance coverage at the best price for your Lexus is simple: shop with Jerry. A licensed insurance broker app, Jerry can help you sift through policies and offers from dozens of providers to find the best option for you. Let’s get started!

How much does Lexus car insurance cost?

The average annual cost of car insurance coverage for a Lexus vehicle is $2,804. But insurance premiums for Lexus drivers vary across models. Plus, your driving history, coverage limits, and location will also affect your insurance costs. 
In general, Lexus car insurance is often more expensive than insurance on other vehicles. This is because:
  • Lexus is a luxury brand that sells fewer cars than popular mass-market brands, like Toyota. This means replacement parts for a Lexus LX can be more difficult to find, and more expensive to purchase than those for a Camry.
  • Luxury vehicles can be targets for theft. This means insurance providers will offset the potential costs of a comprehensive claim for losses by raising your premiums.
  • Luxury vehicles often have more powerful engines, which can also result in higher insurance rates. 
It may seem like you have nothing on your side when it comes to keeping your Lexus insurance costs down. But these types of vehicles also often feature lots of safety and anti-theft features that help balance the cost of coverage.
Calculating insurance premiums would be a breeze if these were the only factors affecting costs. However, providers will also consider your Lexus’s age, upgrades, model, and a number of other factors when calculating your premium. The only way to truly be sure you’ve got the best coverage at the best rate is to compare multiple quotes from different providers
While it may take you hours or even days to compare multiple quotes, Jerry can compare quotes from over 55 top providers in just 45 seconds to find the best coverage options for you at a price that fits your budget.
Want to see what kinds of Lexus car insurance rates you can expect from Jerry? Below you can see a table full of the actual insurance rates that Jerry customers pay, plus, you’ll hear what real Jerry customers have to say about shopping with us!
Quote DateCar
Before Jerry
After Jerry
LocationZip CodeNameAgeInsurance Company
April 14, 2023Lexus ES 350$150/mo.$76/mo.Naperville, IL60540Marc J.30Progressive
October 2, 2022Lexus ES 300$80/mo.$70/mo.Athens, TN37303Jonathan B.29National General
June 6, 2022Lexus RX 350$115/mo.$84/mo.Washington, DC20007Alma H.42AAA
May 1, 2022Lexus Gx 470$384/mo.$72/mo.Washington, DC20010Adeline K.30AAA
September 22, 2021Lexus ES 350$226/mo.$140/mo.Kannapolis, NC28083Lenora M.45Dairyland

How much insurance do you need for a Lexus?

Your auto insurance needs depend on several factors, including your Lexus’s age and the state in which it’s registered. 
Your state’s minimum car insurance requirements provide a starting point when it comes to insuring any car. Most states have guidelines for how much bodily injury liability and property damage liability coverage you’ll need to carry to ensure other drivers’ damages will be paid for if you cause an accident. 
In addition to these coverages, some states also require drivers to purchase the following:
Once you’ve met your state’s minimums, the rest is up to you. A lot of drivers are tempted to pass up additional coverage to help save money now—especially if they’re not driving a new car. But those savings can quickly disappear if you’re left holding the bill after an accident. That’s why it’s almost always a good idea to carry a full coverage car insurance policy—especially on a luxury vehicle, like a Lexus. 
In fact, many lenders will require you to carry full coverage on your Lexus when you finance. Most also recommend or require gap insurance to cover the difference between your car’s depreciated value and the amount you owe on your loan.
A full-coverage policy adds collision coverage to pay for damages caused by—you guessed it—collisions with other cars or objects. Full coverage also includes comprehensive coverage to pay for those damages not caused by collisions—like weather damage, vandalism, or theft. 

Lexus insurance rates by model

One of the biggest factors in determining Lexus insurance rates is the model you drive. In general, less expensive and/or less powerful luxury cars—like the Lexus UX or Lexus NX—will cost less to insure than larger, more powerful, and more expensive Lexus models—like the Lexus RZ or Lexus IS.
Of course, there’s a lot more to it than just the model and price. Let’s take a look at the average annual cost of coverage for a few of the most popular Lexus models to see how the car you drive affects your insurance rates.

How much does Lexus NX insurance cost?

The Lexus NX crossover starts at a pretty low price. But the true luxury appears at upper trims that push the bottom line—and your insurance costs—into the higher ranges. It’s not just the cost of the added options that affect your insurance rates—it’s the more powerful engines and upgraded features and materials that raise your costs.
The table below shows how average premiums for NX drivers vary based on coverage options and vehicle age.
CarFull CoverageMinimum Coverage
2021 Lexus NX 250$1,691$1,341
2019 Lexus NX 250$4,211$2,330
2018 Lexus NX 250$3,757$1,504
2017 Lexus NX 250$2,310$1,753
2016 Lexus NX 250$3,451$1,575
For more information, check out our in-depth guide to Lexus NX insurance costs!

How much does Lexus GS insurance cost?

The Lexus GS may be discontinued, but that doesn’t make it any less popular among Lexus lovers. Its unique blend of athleticism, refinement, and comfort come at a pretty affordable price, but insurance costs still tend to be higher than average, thanks to its performance-oriented powertrain
The table below gives you an idea of the varying insurance rates based on your Lexus GS’s year and level of coverage.
CarFull CoverageMinimum Coverage
2021 Lexus Gs 350$1,691$1,341
2019 Lexus Gs 350$4,211$2,330
2018 Lexus Gs 350$3,757$1,504
2017 Lexus Gs 350$2,310$1,753
2016 Lexus Gs 350$3,451$1,575
For more information, check out our in-depth guide to Lexus GS insurance costs!

How much does Lexus RX insurance cost?

The Lexus RX is one of the brand’s best-selling SUVs, and the much-anticipated 2023 redesign is sure to keep sales figures high. Though the Lexus RX tends to get expensive quickly as you climb the trim ladder, its high-sales volume, and wide array of safety features help to balance out what might otherwise be incredibly high insurance costs.
As with any Lexus model, the amount of insurance you pay will vary depending on a number of factors—not the least of which is your RX’s age. Take a look at the table below to see how Lexus RX insurance costs vary by coverage and model year.
CarFull CoverageMinimum Coverage
2016 Lexus Rx 350$5,010$1,172
2010 Lexus Rx 350$1,734$924
2009 Lexus Rx 350$2,409$1,416
2008 Lexus Rx 350$2,874$2,754
2007 Lexus Rx 350$2,002$1,565
For more information, check out our in-depth guide to Lexus RX insurance costs!

How much does Lexus RC F insurance cost

With a powerful V8 tucked under the hood, rear-wheel drive, and a sport-tuned suspension, the Lexus RC F will be one of the more expensive Lexus models to insure, thanks to its performance-oriented nature.
Here’s a breakdown of average annual premiums for RC F drivers based on model year and level of coverage.
CarFull CoverageMinimum Coverage
2021 Lexus Rc-F$1,691$1,341
2019 Lexus Rc-F$4,211$2,330
2018 Lexus Rc-F$3,757$1,504
2017 Lexus Rc-F$2,310$1,753
2016 Lexus Rc-F$3,451$1,575
For more information, check out our in-depth guide to Lexus RC F insurance costs!

Compare Lexus car insurance quotes

Getting free quotes from car insurance companies on your new Lexus or a used model is easy. Getting quotes personalized and optimized for your driving needs and budget?—Not so easy. 
Unless you shop with Jerry—then getting customized quotes tailored to your unique needs is as simple and quick as sending a text. Within a minute of downloading the free Jerry app, you’ll be presented with offers based on a comparison of quotes from the best insurance companies for Lexus owners. Plus, as a licensed insurance broker, Jerry can even help you set up your policy and cancel your old one.

Best car insurance companies for your Lexus

Unfortunately—or fortunately—no one provider offers the best rates on insurance for Lexus owners. Different companies use different algorithms to calculate their premiums. That means one insurer may significantly lower your premiums based on a clean driving record, but another provider may offer discounts that make your rates even lower.
We’ve said it before, and we’re saying it again—the only way to be sure you’ve found the best insurance prices and coverage for you is to compare quotes from multiple companies. If you try to do this yourself, you might look at rates from a handful of companies, but Jerry will compare rates from over 55 top providers in 45 seconds, so you can be sure you’ve got all your bases covered when it comes to finding the best discounts and deals on insurance for your Lexus.
Let’s take a look at quotes offered from different providers for Lexus vehicles—and the savings you can expect with Jerry—in the table below.
Insurance Company
Average Cost
Annual Savings with Jerry
National General$3,026$1,221
State Auto$2,762$840
Compare Prices

Lexus auto insurance cost by driving record

Nobody’s perfect. We all make mistakes, but when those mistakes get recorded on our driving record, they become a major factor in how insurers calculate your deductibles and premiums.
This is one aspect of your insurance costs you can have a huge effect on, though. Insurance companies like safe drivers. When they see a clean driving record, they see less potential for claims resulting from the accidents associated with risky driving behavior. This translates to lower premiums. Likewise, the more tickets you have—especially those that result in demerit points on your license—the higher your insurance premium will be. 
Even minor violations can lead to major rate increases. For example, a simple speeding ticket can increase your annual premium by $2,804. A major violation, like a DUI conviction? That can add $1,767 to your annual insurance costs.
The table below gives you an idea of how much you can save on Lexus insurance by maintaining a clean driving record.

Lexus car insurance cost by location

Where you live plays a big part in determining how much you pay for Lexus car insurance. The cost of insurance for a Lexus GX in California, for example, will likely be higher than insurance for the same vehicle in Texas.
Want to see how your rates compare to your state’s average? Take a look at the table below.
Average Cost
Annual Savings with Jerry
Los Angeles$3,739$1,351
San Antonio$3,060$888
Silver Spring$3,657$1,196
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