Lexus Insurance Rates

The average cost of car insurance for a Lexus model is about $1,978 per year.

This is $84 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 $1,878 $2,758 $3,226
Lexus ES 350 Insurance Cost $1,745 $2,562 $2,997
Lexus GS 350 Insurance Cost $1,978 $2,904 $3,397
Lexus GX 460 Insurance Cost $1,821 $2,674 $3,128
Lexus IS 350 Insurance Cost $1,922 $2,822 $3,301
Lexus LX 570 Insurance Cost $2,192 $3,218 $3,765
Lexus NX 300 Insurance Cost $1,778 $2,611 $3,055
Lexus RC F Insurance Cost $2,891 $4,245 $4,966
Lexus RX 350 Insurance Cost $1,726 $2,534 $2,964
Lexus RX 450h Insurance Cost $1,844 $2,708 $3,168

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 $6,698 $9,835 $11,506
18 $6,242 $9,166 $10,722
19 $5,516 $8,100 $9,476
20 $4,810 $7,063 $8,262
21 $4,034 $5,923 $6,929
22 $3,928 $5,768 $6,748
23 $3,437 $5,047 $5,904
24 $3,265 $4,795 $5,609
25 $2,818 $4,138 $4,841
30 $2,195 $3,223 $3,771
35 $2,056 $3,019 $3,532
40 $1,978 $2,904 $3,397
45 $1,924 $2,825 $3,305
55 $1,765 $2,591 $3,031
65 $1,841 $2,703 $3,162
75 $2,323 $3,412 $3,991

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 $2,095 $3,043 $3,873
Alaska $1,733 $2,402 $2,335
Arizona $1,959 $2,832 $4,172
Arkansas $2,148 $3,375 $3,716
California $2,392 $4,229 $2,392
Colorado $2,232 $3,124 $3,963
Connecticut $2,851 $4,422 $5,613
Delaware $2,360 $3,146 $4,040
Florida $2,811 $3,888 $5,067
Georgia $2,291 $3,426 $3,455
Hawaii $915 $1,242 $915
Idaho $1,590 $2,108 $2,563
Illinois $1,664 $2,516 $2,868
Indiana $1,710 $2,614 $2,933
Iowa $1,354 $1,858 $2,184
Kansas $1,802 $2,622 $3,066
Kentucky $2,605 $3,824 $4,516
Louisiana $3,344 $5,055 $5,481
Maine $1,264 $1,748 $2,581
Maryland $2,046 $2,978 $3,308
Massachusetts $1,641 $2,863 $1,641
Michigan $3,960 $6,034 $9,518
Minnesota $1,630 $2,174 $3,060
Mississippi $1,968 $2,807 $2,825
Missouri $1,854 $2,651 $3,482
Montana $1,885 $2,630 $3,062
Nebraska $1,594 $2,356 $2,560
Nevada $2,628 $3,899 $4,118
New Hampshire $1,828 $2,891 $3,655
New Jersey $2,014 $3,160 $4,136
New Mexico $2,057 $3,060 $3,176
New York $1,906 $2,400 $4,005
North Carolina $1,181 $2,029 $1,447
North Dakota $1,616 $2,457 $2,905
Ohio $1,441 $2,223 $2,279
Oklahoma $2,302 $3,295 $3,711
Oregon $2,094 $2,810 $3,356
Pennsylvania $1,764 $2,590 $3,030
Rhode Island $2,946 $4,320 $4,865
South Carolina $2,000 $2,772 $3,826
South Dakota $1,794 $2,586 $2,984
Tennessee $2,110 $3,107 $4,138
Texas $2,126 $3,071 $3,819
Utah $1,808 $2,534 $3,486
Vermont $1,392 $2,144 $2,266
Virginia $1,311 $2,013 $1,973
Washington $1,736 $2,356 $2,813
West Virginia $1,747 $2,501 $3,133
Wisconsin $1,741 $2,718 $3,100
Wyoming $1,625 $2,275 $2,423