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Insurance for Lexus Vehicles

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 1, 2020

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The following table lists average insurance rates for some of the more popular Lexus vehicles. More models are listed at the bottom of this page

Insurance Rates for Lexus Vehicles
Vehicle Model Annual Premium Monthly Premium
Lexus ES 300h $1,592 $133
Lexus ES 350 $1,470 $123
Lexus GS 300 $1,516 $126
Lexus GS 350 $1,606 $134
Lexus GS 450H $1,774 $148
Lexus GS 460 $1,728 $144
Lexus GS F $2,030 $169
Lexus GX 460 $1,652 $138
Lexus HS 250H $1,516 $126
Lexus IS 250 $1,502 $125
Lexus IS 300 $1,638 $137
Lexus IS 350 $1,624 $135
Lexus IS F $1,774 $148
Lexus LS 460 $1,784 $149
Lexus LX 570 $1,890 $158
Lexus NX 300 $1,594 $133
Lexus NX 300h $1,624 $135
Lexus RX 350 $1,664 $139
Lexus RX 450H $1,708 $142
Lexus SC 430 $1,696 $141
Get Rates for Your Model Go

Rates assume current model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

View Chart as Image

Average insurance cost for Lexus vehicles
Column chart showing average insurance prices for Lexus vehicles range from $949 to $6,048 for full coverage

The above chart averages rate data from all Lexus vehicles listed in the table above to demonstrate how different rating information can have a huge impact on car insurance prices.

Auto insurance rates for a Lexus are quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may pay as little as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $6,000 a year.

The state you live in also has a big influence on Lexus insurance prices. A middle-age driver might find rates as low as $1,210 a year in states like New Hampshire, Ohio, and Utah, or at least $2,210 on average in New Jersey, Michigan, and Montana.

Lexus Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,522 -$162 -9.6%
Alaska $1,292 -$392 -23.3%
Arizona $1,398 -$286 -17.0%
Arkansas $1,684 -$0 0.0%
California $1,918 $234 13.9%
Colorado $1,610 -$74 -4.4%
Connecticut $1,730 $46 2.7%
Delaware $1,906 $222 13.2%
Florida $2,108 $424 25.2%
Georgia $1,554 -$130 -7.7%
Hawaii $1,210 -$474 -28.1%
Idaho $1,140 -$544 -32.3%
Illinois $1,254 -$430 -25.5%
Indiana $1,268 -$416 -24.7%
Iowa $1,136 -$548 -32.5%
Kansas $1,602 -$82 -4.9%
Kentucky $2,296 $612 36.3%
Louisiana $2,494 $810 48.1%
Maine $1,040 -$644 -38.2%
Maryland $1,390 -$294 -17.5%
Massachusetts $1,348 -$336 -20.0%
Michigan $2,926 $1,242 73.8%
Minnesota $1,410 -$274 -16.3%
Mississippi $2,018 $334 19.8%
Missouri $1,494 -$190 -11.3%
Montana $1,810 $126 7.5%
Nebraska $1,328 -$356 -21.1%
Nevada $2,020 $336 20.0%
New Hampshire $1,212 -$472 -28.0%
New Jersey $1,884 $200 11.9%
New Mexico $1,492 -$192 -11.4%
New York $1,776 $92 5.5%
North Carolina $970 -$714 -42.4%
North Dakota $1,378 -$306 -18.2%
Ohio $1,162 -$522 -31.0%
Oklahoma $1,730 $46 2.7%
Oregon $1,544 -$140 -8.3%
Pennsylvania $1,608 -$76 -4.5%
Rhode Island $2,246 $562 33.4%
South Carolina $1,528 -$156 -9.3%
South Dakota $1,420 -$264 -15.7%
Tennessee $1,476 -$208 -12.4%
Texas $2,030 $346 20.5%
Utah $1,246 -$438 -26.0%
Vermont $1,152 -$532 -31.6%
Virginia $1,010 -$674 -40.0%
Washington $1,302 -$382 -22.7%
West Virginia $1,544 -$140 -8.3%
Wisconsin $1,166 -$518 -30.8%
Wyoming $1,502 -$182 -10.8%

Opting for high physical damage deductibles can reduce rates by up to $780 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase rates by as much as $335 extra every year

View Chart as Image

Lexus insurance by deductible and liability limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $2,000 to $2,700 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 133% more than the average rate.

View Chart as Image

Lexus insurance by risk and age

Since rates can be so different, the best way to find out exactly what you will pay is to compare rates and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted rates may be quite different from one company to the next.

Additional Lexus Vehicles


U.S. averages for full coverage Lexus vehicle insurance

Average Policy Cost $1,684
Comprehensive Premium $404
Collision Premium $750
Liability Premium $372

National average data is compiled from all 50 U.S. states for the Lexus models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

Lexus Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $6,048
20 $3,886
30 $1,776
40 $1,684
50 $1,534
60 $1,504

Full coverage, $500 deductibles

Rates by Deductible

Lexus Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,194
$250 $1,956
$500 $1,684
$1,000 $1,420

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $8,680
20 $6,176
30 $3,744
40 $3,646
50 $3,474
60 $3,444

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $237

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $92
Multi-vehicle $86
Homeowner $23
5-yr Accident Free $132
5-yr Claim Free $110
Paid in Full/EFT $83
Advance Quote $87
Online Quote $122
Total Discounts $735
Rate after discounts $949

Discounts are estimated and may not be available from every company or in every state.

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