Best Car Insurance for Lexus 2022
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Car Insurance for Lexus
On average, Lexus drivers pay $1,740 each year for car insurance. But depending on the model you have, your insurance rates could vary. A RX 450H L Base costs $812 more more per year to insure than a Sc 300.
Originally released in the late 1980s, Lexus is the luxury vehicle division from the Japanese automaker Toyota. It’s Japan’s highest-selling premium car and has become well-loved for its reliability, durability, and the overall high-performance driving experience the Lexus provides for users.
When opting to purchase a Lexus, ensure you have the right car insurance to protect your ride.
The specific model you choose, and your individual demographics, will influence your insurance rates. If you want to save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance.
Jerry will even help you cancel your old policy!
Here are some real quotes from Jerry customers who saved money when insuring their Lexus.
| Quote Date | Car | Location | Zip Code | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|---|
| May 13, 2022 | Lexus ES 300 | Scottsdale, AZ | 85251 | Trevor S. | 32 | Safeco | $112/mo. | $72/mo. |
| April 25, 2022 | Lexus Nx 300 F-Sport | Charlotte, NC | 28277 | Devin R. | 33 | National General | $120/mo. | $75/mo. |
| April 25, 2022 | Lexus RX 350 | Brockton, MA | 02302 | Adrian O. | 41 | Travelers | $160/mo. | $91/mo. |
| May 9, 2022 | Lexus GS 300 | Bristol, VA | 24201 | Wayne L. | 20 | Gainsco | $308/mo. | $108/mo. |
| April 28, 2022 | Lexus RX 350 Base | Atlanta, GA | 30324 | Lloyd R. | 22 | Allstate | $274/mo. | $218/mo. |
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Insurance for Lexus models
Though they may all have the same make, insurance premiums for Lexus’ can vary greatly based on the car’s age and model.
Insurance for Lexus based on the year of the car
While you might have your heart set on a brand new Lexus, consider this—thanks to depreciation, older cars tend to have lower insurance premiums than new ones.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace if you need to make a claim. For you, this means insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Lexus are 1990 and 1996.
The most expensive years for Lexus are 2017 and 2018.
| Year | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| 2022 | $3,151 | $800 | Compare Prices |
| 2021 | $3,587 | $1,118 | Compare Prices |
| 2020 | $3,337 | $1,089 | Compare Prices |
| 2019 | $3,221 | $981 | Compare Prices |
| 2018 | $3,554 | $1,038 | Compare Prices |
| 2017 | $3,466 | $904 | Compare Prices |
| 2016 | $2,918 | $682 | Compare Prices |
| 2015 | $3,201 | $959 | Compare Prices |
| 2014 | $3,251 | $1,127 | Compare Prices |
| 2013 | $3,281 | $1,120 | Compare Prices |
| 2012 | $3,068 | $962 | Compare Prices |
| 2011 | $3,035 | $994 | Compare Prices |
| 2010 | $2,859 | $905 | Compare Prices |
| 2009 | $3,031 | $1,056 | Compare Prices |
| 2008 | $3,223 | $1,129 | Compare Prices |
| 2007 | $2,618 | $907 | Compare Prices |
| 2006 | $2,533 | $894 | Compare Prices |
| 2005 | $2,737 | $1,181 | Compare Prices |
| 2004 | $2,311 | $768 | Compare Prices |
| 2003 | $2,137 | $582 | Compare Prices |
| 2002 | $2,111 | $623 | Compare Prices |
| 2001 | $2,262 | $752 | Compare Prices |
| 2000 | $2,038 | $674 | Compare Prices |
| 1999 | $2,113 | $723 | Compare Prices |
| 1998 | $2,674 | $1,056 | Compare Prices |
| 1997 | $1,820 | $479 | Compare Prices |
| 1996 | $1,902 | $805 | Compare Prices |
| 1995 | $2,580 | $611 | Compare Prices |
| 1994 | $2,381 | $794 | Compare Prices |
| 1993 | $2,479 | $724 | Compare Prices |
Key Takeaway As older Lexus vehicles typically cost less to repair or replace than newer ones and may not be leased or financed, they tend to have cheaper insurance rates.
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Insurance for different models of Lexus
As a luxury car brand, Lexus’ can be on the pricier end to insure due to the high cost of replacement parts and repairs. Still, some Lexus models will be more expensive to insure than others.
Since different models have different repair and replacement costs, the Lexus model you choose will affect your insurance costs. In general, more expensive cars require bigger payouts from insurers—which translates to bigger insurance premiums for you.
As a crossover SUV, the RX 350 has one of the highest average insurance rates for a Lexus due to its larger size and premium features.
Comparatively, an ES 250 will be one of the cheapest Lexus models to insure. While it is a luxury vehicle, the ES is a midsize sedan, making it less expensive to insure compared to its larger, pricier counterparts.
If you want to learn more about car insurance costs for some of the most popular Lexus models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
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Full coverage vs. minimum coverage for your Lexus
The majority of states have mandatory minimum insurance requirements that must be met before drivers can hit the road. Your insurance premium for your Lexus will depend on the coverage you purchase.
Minimum coverage typically includes:
| Coverage type | Protection offered |
|---|---|
| Bodily injury liability (per person and accident) | Pays for the costs associated with the injuries you’ve caused to others |
| Property damage liability (per accident) | Pays for the costs associated with the damage you cause to other people’s vehicles or property |
| Uninsured motorist protection (per person and per accident) | Applies when a car accident isn’t your fault but the at-fault driver doesn’t have liability insurance to pay for your injuries or property damage |
Your state may require additional coverage, such as personal injury protection (PIP)**—this helps pay for your medical expenses and can be especially helpful if you live in a **no-fault state.
If you can afford it, it’s usually best to go above and beyond the mandatory minimum coverage. Even a relatively minor accident can result in thousands of dollars of damage and medical bills. If you’re at fault but don’t have enough coverage, you will be held liable for paying the costs out-of-pocket.
You may be required to purchase full-coverage insurance if you’re leasing or financing a Lexus. Full coverage typically includes:
| Coverage type | Protection offered |
|---|---|
| Collision coverage | Covers the costs associated with collisions with another vehicle or object |
| Comprehensive coverage | Covers costs of damages from an event other than a collision, like a weather event, theft, or vandalism. |
The average annual insurance premium for a Lexus is $1,603 per year for minimum car insurance and $2,486 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,626 per year for minimum car insurance and $2,298 for full-coverage insurance.
Here’s what it costs to insure a Lexus with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| Lexus | $2,454 | $1,677 | $2,014 | $1,298 | $2,751 | $2,020 |
| Lexus | |
All Coverage Before Jerry | $2,454 |
All Coverage After Jerry | $1,677 |
Minimum Coverage Before Jerry | $2,014 |
Minimum Coverage After Jerry | $1,298 |
Full Coverage Before Jerry | $2,751 |
Full Coverage After Jerry | $2,020 |
Like most makes, a more expensive car will be more expensive to insure. As the luxury branch of Toyota, insuring a Lexus will be more expensive compared to its cheaper counterparts.
Compared to similar luxury brands—like Acura and Audi—a Lexus will cost around the same amount to insure, if not lower.
If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
Compare costs for other cars
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What impacts your insurance costs for Lexus
Insurers base their premiums on the driver’s age and experience, model of car, and type of insurance. They also take into account individual demographics and similar variables.
The model of Lexus you drive
The specific model of car you drive can greatly influence your insurance rates. As mentioned above, opting for a sedan like the ES 250 will generally lead to cheaper rates than a larger SUV like the RX 350.
Most models come in different trim levels—versions of the same model that include different features. A higher trim can lead to more expensive insurance premiums.
For example, here’s what insurance you might want to consider for a RX 350.
| Trim | Features | Recommended coverage | Reason for coverage |
|---|---|---|---|
| RX 350 Base | The base model for the RX 350, it features LED headlights, the Lexus Safety System+ 2.0, and great fuel efficiency. | Roadside assistance | This coverage will protect you if your Lexus ever breaks down on the road, and will help cover towing and labor coverage. |
| RX 350 L | This larger trim option features many of the same luxury features as the RX 350, but adds tons of cargo space and room for passengers. | Original Equipment Manufacturer (OEM) coverage | Ensures that your mechanic will use original Lexus parts when your car needs repairs, with costs being covered by your insurance company. |
Your insurance company
Insurance companies each have their own formula to calculate premiums. This means that the exact same coverage for your Lexus will cost different (sometimes very different) amounts across various providers.
The ideal way to find the best rates for insurance is through comparison shopping.
But doing it yourself means hours of research, calling for quotes, filling out paperwork, and going through the details of policies. That’s where the Jerry app comes in.
Sign-up takes less than a minute and Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls.
You’ll get access to competitive quotes from up to 50 providers and Jerry will finalize your new policy, cancel your old one, and keep you updated on the best prices every time your policy is up for renewal.
With Jerry, you’ll enjoy all the savings without any of the usual hassles that come with comparison shopping.
Here’s what Lexus drivers paid for car insurance before and after switching with Jerry:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| National General | $2,997 | $1,103 | Compare Prices |
| Nationwide | $2,918 | $989 | Compare Prices |
| Dairyland | $3,059 | $959 | Compare Prices |
| Safeco | $2,918 | $928 | Compare Prices |
| Allstate | $2,995 | $924 | Compare Prices |
| Kemper | $2,575 | $904 | Compare Prices |
| Progressive | $2,899 | $877 | Compare Prices |
| Travelers | $2,969 | $874 | Compare Prices |
| State Auto | $2,639 | $837 | Compare Prices |
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Your age
The age of the driver is a primary factor considered by insurers when setting premiums.
Younger drivers will pay more for insurance than older drivers as those with less experience are considered high-risk drivers. Insurers will raise premiums based on the likelihood of young drivers making claims more regularly.
Your driving record
Having a clean driving record can be a critical factor in determining the cost of insurance offered by insurers. Accidents increase your risk level—and your rates—but driving violations do the same.
A single minor offense, like a speeding ticket, shouldn’t impact your rates too seriously. But repeated offenses, or major violations, can greatly increase your premium.
If you improve your driving habits and maintain a clean record moving forward, you’re likely to see premiums drop for your Lexus.
Here are some common insurance premiums for Lexus drivers with previous infractions:
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Where you live
Your insurance premiums will vary depending on where you live. Different areas have different accident, crime, and natural disaster rates—which means premiums can vary even within the same state or county.
For your insurance company, it all boils down to risk. If your city has lots of car thefts, collisions, or severe weather events, you can expect to pay more for your coverage. This is due to insurance companies having to account for heightened risk in your area.
According to our data, there is a high percentage of Lexus drivers in cities including Houston (TX), Atlanta (GA), Dallas (TX), Austin (TX) and Richmond (VA).
The cheapest car insurance for Lexus for Jerry users is in Plantsville (CT) and Frankfort (KY).
The most expensive car insurance for Lexus for Jerry users is in Cambria Heights (NY) and Cambria-Heights (NY).
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Atlanta | $3,225 | $1,203 | Compare Prices |
| Austin | $2,281 | $708 | Compare Prices |
| Charlotte | $2,933 | $1,259 | Compare Prices |
| Dallas | $2,380 | $613 | Compare Prices |
| Forney | $3,614 | $686 | Compare Prices |
| Houston | $2,758 | $818 | Compare Prices |
| Plano | $4,709 | $2,365 | Compare Prices |
| Richmond | $1,912 | $466 | Compare Prices |
| San Antonio | $2,810 | $945 | Compare Prices |
| San-Antonio | $2,833 | $991 | Compare Prices |
No matter where you live, what model of Lexus you drive, or what your personal driving history may look like, the Jerry app is there to help you out when buying car insurance.
Jerry gathers affordable quotes, helps you switch plans, and even cancels your old policy for you. And before every policy renewal period, you’ll be presented with new competitive quotes, so you’ll always have the best coverage at the best price.
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