Lexus Insurance Rates

The average cost of car insurance for a Lexus model is about $2,374 per year.

This is $149 worse than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Lexus insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Lexus insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Lexus Model

Model Good Driver Recent Accident Poor Credit
Lexus ES 300h Insurance Cost $2,235 $3,282 $3,840
Lexus ES 350 Insurance Cost $1,905 $2,797 $3,272
Lexus GS 350 Insurance Cost $2,456 $3,606 $4,218
Lexus GX 460 Insurance Cost $1,988 $2,920 $3,416
Lexus IS 350 Insurance Cost $2,387 $3,505 $4,100
Lexus LX 570 Insurance Cost $2,865 $4,206 $4,921
Lexus NX 300 Insurance Cost $1,942 $2,851 $3,335
Lexus RC F Insurance Cost $3,881 $5,699 $6,667
Lexus RX 350 Insurance Cost $1,884 $2,766 $3,236
Lexus RX 450h Insurance Cost $2,195 $3,222 $3,770

The cost to insure a Lexus model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Lexus, then see our insurance analysis and rankings for other makes and models here.

Lexus Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $8,040 $11,806 $13,812
18 $7,493 $11,003 $12,872
19 $6,622 $9,724 $11,375
20 $5,774 $8,478 $9,918
21 $4,842 $7,110 $8,318
22 $4,716 $6,925 $8,101
23 $4,126 $6,059 $7,088
24 $3,920 $5,756 $6,734
25 $3,383 $4,967 $5,811
30 $2,635 $3,870 $4,527
35 $2,468 $3,624 $4,240
40 $2,374 $3,485 $4,078
45 $2,310 $3,392 $3,968
55 $2,118 $3,111 $3,639
65 $2,210 $3,245 $3,796
75 $2,789 $4,095 $4,791

Lexus auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Lexus models by state.

Average Lexus Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $2,515 $3,653 $4,650
Alaska $2,080 $2,884 $2,803
Arizona $2,352 $3,400 $5,009
Arkansas $2,578 $4,051 $4,461
California $2,871 $5,077 $2,871
Colorado $2,679 $3,750 $4,757
Connecticut $3,423 $5,308 $6,738
Delaware $2,834 $3,776 $4,850
Florida $3,374 $4,668 $6,082
Hawaii $1,099 $1,492 $1,099
Idaho $1,909 $2,531 $3,076
Illinois $1,998 $3,020 $3,444
Indiana $2,053 $3,138 $3,522
Iowa $1,626 $2,230 $2,622
Kansas $2,163 $3,147 $3,681
Kentucky $3,127 $4,590 $5,421
Louisiana $4,014 $6,068 $6,579
Maine $1,518 $2,098 $3,098
Maryland $2,456 $3,575 $3,971
Massachusetts $1,970 $3,436 $1,970
Michigan $4,754 $7,244 $11,426
Minnesota $1,957 $2,609 $3,674
Mississippi $2,362 $3,369 $3,391
Missouri $2,226 $3,182 $4,181
Montana $2,263 $3,158 $3,675
Nebraska $1,913 $2,829 $3,073
Nevada $3,155 $4,680 $4,944
New Hampshire $2,195 $3,471 $4,388
New Jersey $2,418 $3,794 $4,965
New Mexico $2,470 $3,674 $3,813
New York $2,287 $2,880 $4,808
North Carolina $1,418 $2,436 $1,737
North Dakota $1,940 $2,949 $3,488
Ohio $1,730 $2,669 $2,736
Oklahoma $2,763 $3,956 $4,454
Oregon $2,514 $3,373 $4,029
Pennsylvania $2,118 $3,110 $3,638
Rhode Island $3,536 $5,186 $5,841
South Carolina $2,401 $3,328 $4,593
South Dakota $2,154 $3,104 $3,582
Tennessee $2,534 $3,730 $4,967
Texas $2,552 $3,686 $4,585
Utah $2,170 $3,042 $4,185
Vermont $1,671 $2,573 $2,720
Virginia $1,574 $2,416 $2,369
Washington $2,084 $2,828 $3,377
West Virginia $2,096 $3,002 $3,762
Wisconsin $2,090 $3,263 $3,721
Wyoming $1,951 $2,732 $2,909
Georgia $2,751 $4,113 $4,147