Insurance for Lexus Vehicles
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 9, 2024
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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
| 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 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.
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.
| 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
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.
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
- Lexus CT 200h Insurance
- Lexus CT-200H Insurance
- Lexus ES-300 Insurance
- Lexus ES-330 Insurance
- Lexus ES-350 Insurance
- Lexus GS 200t Insurance
- Lexus GS-300 Insurance
- Lexus GS-350 Insurance
- Lexus GS-400 Insurance
- Lexus GS-430 Insurance
- Lexus GX-460 Insurance
- Lexus GX-470 Insurance
- Lexus IS 250 C Insurance
- Lexus IS 350 C Insurance
- Lexus IS-200T Insurance
- Lexus IS-250 Insurance
- Lexus IS-300 Insurance
- Lexus IS-350 Insurance
- Lexus IS-F Insurance
- Lexus LC 500 Insurance
- Lexus LC 500h Insurance
- Lexus LC-500 Insurance
- Lexus LFA Insurance
- Lexus LS 500 Insurance
- Lexus LS 600h L Insurance
- Lexus LS-400 Insurance
- Lexus LS-430 Insurance
- Lexus LS-460 Insurance
- Lexus LX-470 Insurance
- Lexus LX-570 Insurance
- Lexus NX 200t Insurance
- Lexus NX-200T Insurance
- Lexus NX-300 Insurance
- Lexus RC 200t Insurance
- Lexus RC 300 Insurance
- Lexus RC 350 Insurance
- Lexus RC F Insurance
- Lexus RX-300 Insurance
- Lexus RX-330 Insurance
- Lexus RX-350 Insurance
- Lexus RX-400H Insurance
- Lexus RX-450H Insurance
- Lexus SC-300 Insurance
- Lexus SC-400 Insurance
- Lexus SC-430 Insurance
U.S. averages for full coverage Lexus vehicle insurance
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
| 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
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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