Lexus Insurance Rates

Lexus Insurance Rates

The average cost of car insurance for Lexus models is about $3,089 per year.

This is $194 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
Estimated Lexus ES 300h Insurance Rates $2,913 $4,277 $5,003
Estimated Lexus ES 350 Insurance Rates $2,507 $3,682 $4,307
Estimated Lexus GS 350 Insurance Rates $3,199 $4,698 $5,496
Estimated Lexus GX 460 Insurance Rates $2,617 $3,842 $4,495
Estimated Lexus IS 350 Insurance Rates $3,110 $4,566 $5,342
Estimated Lexus LX 570 Insurance Rates $3,695 $5,426 $6,348
Estimated Lexus NX 300 Insurance Rates $2,555 $3,752 $4,389
Estimated Lexus RC F Insurance Rates $4,955 $7,276 $8,511
Estimated Lexus RX 350 Insurance Rates $2,479 $3,641 $4,259
Estimated Lexus RX 450h Insurance Rates $2,860 $4,199 $4,913

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.

Are car insurance rates based on credit score?

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 Rates by Age*

Age Good Driver Recent Accident Poor Credit
17 $10,463 $15,364 $17,974
18 $9,751 $14,318 $16,750
19 $8,617 $12,654 $14,803
20 $7,514 $11,033 $12,907
21 $6,301 $9,252 $10,824
22 $6,137 $9,011 $10,542
23 $5,370 $7,884 $9,224
24 $5,101 $7,491 $8,763
25 $4,402 $6,464 $7,562
30 $3,429 $5,036 $5,891
35 $3,212 $4,716 $5,517
40 $3,089 $4,536 $5,306
45 $3,006 $4,414 $5,163
55 $2,757 $4,048 $4,736
65 $2,876 $4,222 $4,940
75 $3,630 $5,329 $6,235

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 Rates by State*

State Good Driver Recent Accident Poor Credit
Georgia $3,579 $5,352 $5,397
Wyoming $2,539 $3,555 $3,785
Wisconsin $2,720 $4,246 $4,843
West Virginia $2,728 $3,907 $4,895
Washington $2,712 $3,680 $4,394
Virginia $2,048 $3,145 $3,082
Vermont $2,174 $3,349 $3,539
Utah $2,824 $3,958 $5,446
Texas $3,320 $4,797 $5,967
Tennessee $3,297 $4,854 $6,464
South Dakota $2,804 $4,040 $4,661
South Carolina $3,125 $4,330 $5,977
Rhode Island $4,601 $6,749 $7,600
Pennsylvania $2,756 $4,046 $4,734
Oregon $3,272 $4,390 $5,243
Oklahoma $3,596 $5,148 $5,796
Ohio $2,251 $3,473 $3,561
North Dakota $2,525 $3,838 $4,539
North Carolina $1,845 $3,170 $2,261
New York $2,977 $3,748 $6,257
New Mexico $3,213 $4,780 $4,962
New Jersey $3,147 $4,937 $6,461
New Hampshire $2,856 $4,517 $5,710
Nevada $4,106 $6,090 $6,434
Nebraska $2,489 $3,681 $3,999
Montana $2,945 $4,109 $4,783
Missouri $2,896 $4,141 $5,440
Mississippi $3,074 $4,384 $4,413
Minnesota $2,546 $3,395 $4,781
Michigan $6,186 $9,427 $14,869
Massachusetts $2,564 $4,472 $2,564
Maryland $3,197 $4,652 $5,168
Maine $1,975 $2,730 $4,031
Louisiana $5,224 $7,896 $8,562
Kentucky $4,069 $5,973 $7,054
Kansas $2,815 $4,096 $4,790
Iowa $2,116 $2,902 $3,412
Indiana $2,671 $4,084 $4,583
Illinois $2,600 $3,930 $4,481
Idaho $2,484 $3,293 $4,003
Hawaii $1,430 $1,941 $1,430
Florida $4,390 $6,074 $7,915
Delaware $3,688 $4,914 $6,312
Connecticut $4,454 $6,908 $8,769
Colorado $3,486 $4,879 $6,191
California $3,736 $6,607 $3,736
Arkansas $3,355 $5,272 $5,805
Arizona $3,060 $4,424 $6,518
Alaska $2,707 $3,753 $3,648
Alabama $3,273 $4,753 $6,051

Related Articles

GAP Insurance Explained: Not Every Car Buyer Needs It

Car Insurance Rates Soared 24%

Car Ownership Costs Beyond the Price Tag: What to Expect