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Best Car Insurance for Lexus 2021
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- Best Insurance Companies
- Insurance Cost
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- Cost by Car Year
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On average, Lexus drivers pay $1,770 each year for car insurance. But depending on the model you have, your insurance rates could vary. A RX 350 costs $1,997 more more per year to insure than a IS 250.
Here’s what drivers pay when they switch with Jerry
Here are some real quotes from Jerry customers who saved money when insuring their Lexus.
| Quote Date | Make/model | City, State | Age | Carrier | Coverage Type | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| October 10, 2021 | Lexus ES 350 | Houston, TX | 66 | Progressive | Basic | $118/mo. | $72/mo. |
| October 10, 2021 | Lexus ES 350 | Houston, TX | 66 | Electric | Basic | $118/mo. | $77/mo. |
| September 29, 2021 | Lexus IS 250 | Charlotte, NC | 26 | National General | Predicted | $179/mo. | $116/mo. |
| September 21, 2021 | Lexus CT 200 | Columbus, OH | 31 | AAA | Predicted | $200/mo. | $122/mo. |
| October 11, 2021 | Lexus IS 250 | San Francisco, CA | 51 | Allstate | Current | $280/mo. | $147/mo. |
Best insurance carriers for your Lexus
Pricing and Reviews
Demographics, driving record, location—they’re all factors that insurance companies consider when setting their premiums. But since each company weighs the factors differently, your rates for the exact same coverage could vary widely between insurers.
The cheapest insurer for Lexus is Commonwealth Insurance, with an annual premium of $859.
Other popular carriers for Lexus include the following:
Nationwide
Nationwide is a good choice for tech-savvy drivers with a safe driving record. They offer an excellent online platform, mobile app, and website—all of which earns them a rating of 4.6/5 from Jerry.
Progressive
Progressive is one of the top insurance companies out there. With financial strength, a huge array of coverage options, and great discounts and features, it’s typically a good choice for tech-savvy or higher-risk drivers. Jerry gives Progressive a rating of 4.6/5.
Kemper
For high-risk drivers, Kemper is a solid option. It files SR22 forms for drivers who need to provide proof of coverage to the state and even insures vehicles with salvage titles that have been rebuilt after being totaled. Jerry rates Kemper a 4.3/5.
Safeco
Safeco is a safe choice for young drivers who seek affordability. It also has a claims-free cashback program, which gives you a small refund for every six months that you remain claims-free. Jerry rates Safeco 4.5/5.
Allstate
Allstate is one of the most well-known insurers in the country. It has a large network of agents and repair shops and offers lots of great digital features, including a rate calculator, mobile app, online bill payment, and online claim reporting. Allstate gets 4.5/5 from Jerry.
Travelers
Travelers boasts insurance add-ons including roadside assistance, rental car reimbursement, accident forgiveness, new car coverage, and gap coverage for their policyholders. The provider also offers plenty of driver discounts to help lower premiums, including for safe drivers and good students. Jerry gives Travelers a 4.7/5 rating.
State Auto
State Auto is a good choice for safe, experienced drivers looking to get the most out of their insurance. The company has a wide variety of coverage options and offers online filing for claims. State Auto gets a 4.1/5 rating from Jerry.
National General
National General specializes in insurance for high-risk drivers. The company also has a claims satisfaction guarantee in most states and will waive your deductible up to $250 if you’re not happy with your claims experience. Jerry gives National General a rating of 4.1/5.
Dairyland
Dairyland is also a great option for higher-risk drivers. With flexible payment plans, plus 24/7 live claims support in almost 40 states, Jerry rates Dairyland 4.6/5.
Clearcover
Tech-savvy drivers will love Clearcover. It has an award-winning app that lets you file a claim, pay your bill, and access proof of insurance—all while keeping communication entirely online. Jerry rates Clearcover a 4.1/5.
How to compare prices to find the most affordable coverage
Insurance companies each have their own formula to calculate premiums. This means that the exact same coverage will cost different (sometimes very different) amounts across various providers.
When it comes to insurance, remember that the cheapest option isn’t necessarily the best. If you’re sacrificing coverage you need in order to save some money, you could find yourself in financial trouble if you get into an accident.
To find the best policy and premium, it’s a good idea to compare quotes from at least three different insurers.
Almost every insurance company offers online quotes, so you can head to their website, fill out a form, and get your rate. But if you’ve ever done this, you know how monotonous and time-consuming it can be.
To make sure you’re getting the right coverage for the best price, comparison- shop with Jerry.
Jerry can provide you with competitive quotes in under a minute, and swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and even cancels your old policy on your behalf. Oh, and it’s free!
Filters
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | CLEARCOVER | $1,681.98 |
| 2 | Kemper | $2,115.13 |
| 3 | Travelers | $2,147.15 |
| 4 | Progressive | $2,281.60 |
| 5 | Nationwide | $2,479.08 |
Key Takeaway Using a car insurance comparison app like Jerry is the easiest and most effective way to compare quotes from multiple carriers to find the best premium for the coverage you need.
Cost of insuring a Lexus
Cost of insuring with minimum coverage and full coverage
The average annual insurance premium for a Lexus is $1,896 per year for minimum car insurance and $2,871 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,782 per year for minimum car insurance and $2,483 for full-coverage insurance.
Your insurance premium for your Lexus will depend on the coverage you purchase. Each state has its own minimum insurance requirements that you must meet to legally hit the road.
Here are the basic types of insurance that your state may require:
| Coverage type | Protection offered |
|---|---|
| Bodily injury liability (per person and per 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 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 |
| Underinsured motorist protection (per person and per accident) | Applies when the at-fault driver has liability insurance, but it isn’t enough to cover your injuries or property damage |
| Personal injury protection (per person and per accident) | Pays for your own medical expenses after a car accident |
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.
If you’re leasing or financing a Lexus, you may be required to purchase full-coverage insurance. It’s also a good idea to opt for full coverage if you can’t afford to replace your car in the event that it’s totaled.
Full coverage typically refers to policies that include collision insurance and comprehensive insurance, plus the liability insurance that the state requires.
| Coverage type | Protection offered |
|---|---|
| Collision | Applies if you get into a collision with someone else’s vehicle or an object |
| Comprehensive | Applies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism |
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 | $2,649 | $1,671 | $2,426 | $1,350 | $4,739 | $1,973 |
Cost of insuring based on age and driving record
Your driving record and age help insurance companies understand your experience and risk level. Since younger drivers typically get into more accidents, they tend to pay more. Older drivers with more experience usually have lower car insurance rates.
Insurance companies also consider traffic violations when setting premiums. A minor speeding ticket or failure to stop on your record might lead to a small increase in your insurance rate. Serious offenses, like driving under the influence (DUI) and careless driving, have a far more significant impact on your premiums and will remain on your record for many years.
But there’s good news! If you improve your driving habits and maintain a clean record moving forward, you’re likely to see your premiums drop.
Here’s how accidents and violations can affect car insurance costs for Lexus by age group:
Key Takeaway Insurance costs for your Lexus will vary depending on factors like your driving record, age, and insurance coverage needs.
Cost of insuring popular models
Read more about your model {carMake}
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
Cost of insuring your Lexus by year
Most and least expensive years of 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 vehicles are 1996 and 1991.
The most expensive years for Lexus vehicles are 2015 and 2017.
| Year | Before Jerry | After Jerry |
|---|---|---|
| 2021 | $2,429 | $1,357 |
| 2020 | $2,126 | $1,206 |
| 2019 | $2,247 | $1,172 |
| 2018 | $2,569 | $1,369 |
| 2017 | $2,384 | $1,386 |
| 2016 | $2,246 | $1,291 |
| 2015 | $3,087 | $1,421 |
| 2014 | $2,375 | $1,397 |
| 2013 | $2,501 | $1,348 |
| 2012 | $2,742 | $1,460 |
| 2011 | $2,539 | $1,413 |
| 2010 | $2,642 | $1,292 |
| 2009 | $2,248 | $1,312 |
| 2008 | $2,589 | $1,394 |
| 2007 | $2,220 | $1,231 |
| 2006 | $2,347 | $1,311 |
| 2005 | $1,494 | $935 |
| 2004 | $1,952 | $1,074 |
| 2003 | $2,098 | $1,141 |
| 2002 | $2,306 | $1,376 |
| 2001 | $1,671 | $1,045 |
| 2000 | $2,128 | $1,007 |
| 1999 | $2,050 | $1,082 |
| 1998 | $1,435 | $897 |
| 1997 | $2,331 | $1,218 |
| 1996 | $1,290 | $771 |
| 1995 | $1,587 | $1,207 |
| 1994 | $1,187 | $757 |
| 1993 | $1,768 | $1,208 |
| 1992 | $1,428 | $550 |
Key Takeaway Since 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.
Cost of insuring a Lexus in your city
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.
According to our data, there is a high percentage of Lexus drivers in cities including Somerset (NJ), Jacksonville (FL), Atlanta (GA), San Francisco (CA) and Dallas (TX).
The cheapest car insurance for Lexus for Jerry users is in Saint Charles (IL) and San Juan Capistrano (CA).
The most expensive car insurance for Lexus for Jerry users is in Cambria Heights (NY) and Windsor Mill (MD).
| City | Before Jerry | After Jerry |
|---|---|---|
Somerset | $7,800 | $2,006 |
| San Francisco | $8,559 | $4,082 |
| Atlanta | $3,308 | $2,443 |
| Chicago | $4,577 | $3,525 |
Alexandria | $4,668 | $2,377 |
Silver Spring | $3,701 | $2,480 |
| Dallas | $3,190 | $2,526 |
| Charlotte | $2,856 | $1,780 |
| Los Angeles | $3,729 | $2,385 |
Beach City | $2,400 | $2,084 |
Key Takeaway If you live in an area that has high rates of theft, collisions, or severe weather events, you can expect to pay more for your car insurance.
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