Lexus Insurance Rates

The average cost of car insurance for a Lexus model is about $2,162 per year.

This is $95 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 $2,192 $3,264 $3,859
Lexus ES 350 Insurance Cost $1,938 $2,886 $3,412
Lexus GS 350 Insurance Cost $2,307 $3,436 $4,062
Lexus GX 460 Insurance Cost $1,915 $2,852 $3,371
Lexus IS 350 Insurance Cost $2,242 $3,340 $3,948
Lexus LX 570 Insurance Cost $2,346 $3,494 $4,131
Lexus NX 300 Insurance Cost $1,870 $2,785 $3,293
Lexus RC F Insurance Cost $3,052 $4,546 $5,374
Lexus RX 350 Insurance Cost $1,814 $2,702 $3,194
Lexus RX 450h Insurance Cost $1,939 $2,888 $3,413

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 $7,321 $10,905 $12,891
18 $6,823 $10,163 $12,013
19 $6,030 $8,981 $10,617
20 $5,258 $7,831 $9,257
21 $4,409 $6,567 $7,763
22 $4,294 $6,396 $7,560
23 $3,757 $5,596 $6,616
24 $3,569 $5,317 $6,285
25 $3,080 $4,588 $5,424
30 $2,399 $3,574 $4,225
35 $2,247 $3,348 $3,957
40 $2,162 $3,219 $3,806
45 $2,103 $3,133 $3,703
55 $1,929 $2,873 $3,396
65 $2,012 $2,997 $3,543
75 $2,540 $3,783 $4,472

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 $2,290 $3,208 $4,015
Alaska $1,894 $2,759 $2,891
Arizona $2,142 $3,322 $4,737
Arkansas $2,348 $3,556 $3,979
California $2,614 $4,572 $2,614
Colorado $2,440 $3,377 $4,213
Connecticut $3,117 $4,819 $6,172
Delaware $2,580 $3,552 $4,716
Florida $3,072 $4,173 $5,440
Georgia $2,504 $3,860 $3,961
Hawaii $1,000 $1,381 $1,000
Idaho $1,738 $2,339 $2,912
Illinois $1,820 $2,689 $3,119
Indiana $1,869 $2,921 $3,409
Iowa $1,480 $2,221 $2,588
Kansas $1,970 $2,900 $3,435
Kentucky $2,847 $4,283 $5,037
Louisiana $3,655 $5,586 $6,014
Maine $1,382 $1,854 $2,705
Maryland $2,237 $3,280 $3,873
Massachusetts $1,794 $3,033 $1,794
Michigan $4,328 $6,508 $10,006
Minnesota $1,782 $2,394 $3,543
Mississippi $2,151 $3,249 $3,432
Missouri $2,027 $2,791 $3,610
Montana $2,061 $3,225 $3,556
Nebraska $1,742 $2,466 $2,805
Nevada $2,873 $4,337 $4,758
New Hampshire $1,999 $3,221 $4,102
New Jersey $2,202 $3,472 $4,478
New Mexico $2,249 $3,236 $3,634
New York $2,083 $2,712 $4,378
North Carolina $1,291 $2,085 $1,606
North Dakota $1,767 $2,720 $3,453
Ohio $1,575 $2,577 $2,669
Oklahoma $2,516 $3,777 $4,284
Oregon $2,289 $3,458 $3,967
Pennsylvania $1,928 $2,916 $3,346
Rhode Island $3,220 $4,940 $5,650
South Carolina $2,186 $3,164 $4,515
South Dakota $1,962 $2,699 $3,238
Tennessee $2,307 $3,451 $4,354
Texas $2,323 $3,420 $4,292
Utah $1,976 $2,858 $3,942
Vermont $1,521 $2,433 $2,659
Virginia $1,433 $2,158 $2,293
Washington $1,897 $2,850 $3,361
West Virginia $1,909 $2,780 $3,433
Wisconsin $1,903 $2,778 $3,374
Wyoming $1,777 $2,611 $2,919