Lexus Insurance Rates

The average cost of car insurance for a Lexus model is about $1,849 per year.

This is $62 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 $1,797 $2,639 $3,087
Lexus ES 350 Insurance Cost $1,763 $2,590 $3,029
Lexus GS 350 Insurance Cost $1,892 $2,778 $3,250
Lexus GX 460 Insurance Cost $1,743 $2,559 $2,993
Lexus IS 350 Insurance Cost $1,839 $2,700 $3,159
Lexus LX 570 Insurance Cost $1,924 $2,825 $3,305
Lexus NX 300 Insurance Cost $1,702 $2,499 $2,923
Lexus RC F Insurance Cost $2,411 $3,540 $4,141
Lexus RX 350 Insurance Cost $1,651 $2,424 $2,836
Lexus RX 450h Insurance Cost $1,764 $2,591 $3,031

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 $6,262 $9,195 $10,756
18 $5,835 $8,569 $10,024
19 $5,157 $7,572 $8,859
20 $4,497 $6,603 $7,724
21 $3,771 $5,537 $6,478
22 $3,672 $5,392 $6,309
23 $3,213 $4,718 $5,520
24 $3,053 $4,483 $5,244
25 $2,634 $3,868 $4,526
30 $2,052 $3,014 $3,525
35 $1,922 $2,822 $3,302
40 $1,849 $2,714 $3,175
45 $1,799 $2,642 $3,090
55 $1,650 $2,422 $2,834
65 $1,721 $2,527 $2,956
75 $2,172 $3,189 $3,731

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 $1,959 $2,845 $3,621
Alaska $1,620 $2,246 $2,183
Arizona $1,831 $2,648 $3,901
Arkansas $2,008 $3,155 $3,474
California $2,236 $3,954 $2,236
Colorado $2,086 $2,920 $3,705
Connecticut $2,666 $4,134 $5,248
Delaware $2,207 $2,941 $3,777
Florida $2,628 $3,635 $4,737
Georgia $2,142 $3,203 $3,230
Hawaii $856 $1,162 $856
Idaho $1,486 $1,971 $2,396
Illinois $1,556 $2,352 $2,682
Indiana $1,599 $2,444 $2,742
Iowa $1,266 $1,736 $2,042
Kansas $1,685 $2,451 $2,867
Kentucky $2,435 $3,575 $4,221
Louisiana $3,126 $4,725 $5,124
Maine $1,182 $1,634 $2,413
Maryland $1,913 $2,784 $3,093
Massachusetts $1,534 $2,676 $1,534
Michigan $3,702 $5,642 $8,898
Minnesota $1,524 $2,032 $2,861
Mississippi $1,840 $2,624 $2,641
Missouri $1,733 $2,478 $3,256
Montana $1,762 $2,459 $2,862
Nebraska $1,490 $2,203 $2,394
Nevada $2,457 $3,645 $3,850
New Hampshire $1,710 $2,703 $3,417
New Jersey $1,883 $2,955 $3,866
New Mexico $1,923 $2,861 $2,970
New York $1,781 $2,243 $3,744
North Carolina $1,104 $1,897 $1,353
North Dakota $1,511 $2,297 $2,716
Ohio $1,347 $2,078 $2,131
Oklahoma $2,152 $3,081 $3,469
Oregon $1,958 $2,627 $3,138
Pennsylvania $1,649 $2,422 $2,833
Rhode Island $2,754 $4,039 $4,548
South Carolina $1,870 $2,592 $3,577
South Dakota $1,678 $2,417 $2,790
Tennessee $1,973 $2,905 $3,868
Texas $1,987 $2,871 $3,571
Utah $1,690 $2,369 $3,259
Vermont $1,301 $2,004 $2,118
Virginia $1,226 $1,882 $1,845
Washington $1,623 $2,202 $2,630
West Virginia $1,633 $2,338 $2,929
Wisconsin $1,628 $2,541 $2,898
Wyoming $1,520 $2,127 $2,265