How Much Is Lexus Insurance by Model?
Discover how much you can expect to pay to insure your Lexus.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Lexus is the luxury division of Japanese carmaker Toyota. The first Lexus model, the Lexus ES, launched in 1989. The company has followed with a full line of luxury sedans, coupes, convertibles, and SUVs.
No matter what Lexus model you drive, you’ll need the best car insurance you can find to protect your investment.
The average cost of Lexus insurance is $1,516.56 per year. This is higher than the national average cost of car insurance, which is $1,311 per year.
Our guide to Lexus insurance provides cost information for popular Lexus models and several top-rated insurance companies. With the help of a local independent insurance agent, you can get quotes from multiple companies so you can get the coverage you need that fits your budget.
In this article:
How Much Does a Lexus Cost to Insure by Model?
Are Lexus Vehicles Expensive to Insure?
Why Do Insurance Costs Differ Between Lexus Models?
How Much Is Car Insurance for a Lexus ES?
How Much Is Car Insurance for a Lexus GS?
How Much Is Car Insurance for a Lexus GX?
How Much Is Car Insurance for a Lexus LS?
How Much is Car Insurance for a Lexus LX?
How Much is Car Insurance for a Lexus NX
How Much is Car Insurance for a Lexus RC?
How Much is Car Insurance for a Lexus RX?
What Other Factors Affect Lexus Insurance Costs?
How to Save the Most Money on Lexus Insurance
How Much Does a Lexus Cost to Insure by Model?
The cost to insure a Lexus can vary depending on the model. If you’re looking to purchase a Lexus, you’ll find most models cost more to insure than many other car brands, with premiums ranging from $1,000 to $2,000 per year.
We’ve broken down the insurance costs for several popular Lexus models from our top-rated insurance companies.
| Lexus Model | Average Cost of Car Insurance Per Year |
|---|---|
| Lexus ES | $1,561.00 |
| Lexus GS | $1,706.71 |
| Lexus GX | $1,323.29 |
| Lexus LS | $1,776.67 |
| Lexus LX | $1,341.20 |
| Lexus NX | $1,104.00 |
| Lexus RC | $2,036.57 |
| Lexus RX | $1,283.00 |
An independent insurance agent near you can help you find affordable car insurance for whatever type of Lexus you drive.
Is it Expensive to Insure a Lexus?
Most Lexus models are fairly expensive to insure. Among the insurance companies and models that we reviewed, we found an average annual insurance cost of $1,516.56.
The higher insurance costs across the Lexus brand can be explained by the brand’s luxury status and the relatively high purchase price of most models. You can expect that if your Lexus costs more to purchase, it will also cost more to repair if you’re in an accident, and this is reflected in insurance costs.
Many Lexus models may also have more powerful engines, which is also a factor in higher insurance rates.
Why Do Insurance Costs Differ Between Lexus Models?
Car insurance costs differ by model due to several factors. Every Lexus model has different safety ratings, repair costs, and theft rates. Newer model years, models that are more expensive, and models with more horsepower typically cost more to insure than their less expensive, older, or less powerful counterparts.
SUVs, sports cars, and electric vehicles also tend to cost more to insure than their “safer” counterparts, like sedans and minivans.
How Much Is Car Insurance for a Lexus ES?
Our research found that the Lexus ES300h has an average premium of $1,561 per year. Here's a look at some average insurance costs for this model from top-rated insurance carriers.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $1,050 |
| USAA | $1,379 |
| Acuity | $1,561 |
| Nationwide | $1,663 |
| Plymouth Rock Assurance | $1,669 |
| Vermont Mutual | $1,671 |
| Arbella | $1,727 |
| Progressive | $1,768 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $130.08 | $1,561.00 |
How Much Is Car Insurance for a Lexus GS?
The Lexus GS350 has an average premium of $1,706.71 per year. According to our research, it's also one of the more expensive Lexus models to insure on our list.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $1,267 |
| USAA | $1,480 |
| Nationwide | $1,619 |
| Acuity | $1,708 |
| Plymouth Rock Assurance | $1,872 |
| Vermont Mutual | $1,912 |
| Arbella | $2,089 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $142.23 | $1,706.71 |
How Much Is Car Insurance for a Lexus GX?
The Lexus GX460 has lower insurance costs than many other Lexus models, with an average insurance cost of $1,323.29 per year among the companies we reviewed. Your rates may be above or below this average, depending on where you live, your age, your gender, and other factors.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $1,193 |
| Vermont Mutual | $1,248 |
| Acuity | $1,279 |
| Arbella | $1,328 |
| USAA | $1,381 |
| Plymouth Rock Assurance | $1,400 |
| Nationwide | $1,434 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $110.27 | $1,323.29 |
How Much Is Car Insurance for a Lexus LS?
The average cost to insure a Lexus LS460 is $1,776.67 per year, putting it near the top of Lexus models in terms of insurance costs.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $1,312 |
| Nationwide | $1,734 |
| USAA | $1,839 |
| Plymouth Rock Assurance | $1,911 |
| Acuity | $1,923 |
| Progressive | $1,941 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $148.06 | $1,776.67 |
How Much Is Car Insurance for a Lexus LX?
The Lexus LX570 has an average annual insurance cost of $1,341.20, which is a little higher than the national average of $1,311.
| Insurance Companies | Average Annual Cost |
|---|---|
| Progressive | $663 |
| Erie | $1,243 |
| Nationwide | $1,395 |
| USAA | $1,601 |
| Vermont Mutual | $1,804 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $111.77 | $1,341.20 |
How Much Is Car Insurance for a Lexus NX?
The Lexus NX200 has an average annual insurance cost of $1,104.00 among the insurance companies we reviewed. This model has the most affordable insurance among Lexus models.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $866 |
| Progressive | $970 |
| USAA | $1,082 |
| Vermont Mutual | $1,163 |
| Plymouth Rock Assurance | $1,196 |
| Nationwide | $1,199 |
| Acuity | $1,252 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $92.00 | $1,104.00 |
How Much Is Car Insurance for a Lexus RC?
The Lexus RC is a sport coupe with high insurance costs. It has an average annual insurance cost of $2,036.57 among the insurance companies we reviewed.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $1,438 |
| Nationwide | $1,892 |
| USAA | $1,902 |
| Plymouth Rock Assurance | $1,966 |
| Safeco | $2,262 |
| Acuity | $2,381 |
| Arbella | $2,415 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $169.71 | $2,036.57 |
How Much Is Car Insurance for a Lexus RX?
You can find Lexus RX350 insurance for $1,283.00 per year, on average. The RX is the most highly regarded and popular Lexus model.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $926 |
| Vermont Mutual | $1,262 |
| USAA | $1,270 |
| Acuity | $1,312 |
| Plymouth Rock Assurance | $1,317 |
| Arbella | $1,443 |
| Nationwide | $1,451 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $106.92 | $1,283.00 |
What Other Factors Affect Lexus Insurance Costs?
The make and model of your car are two of the most important factors for determining your car insurance premiums. But numerous other factors play a role in your car insurance premiums, including:
- Your age, gender, and marital status
- Your credit score
- Where you live
- The amount of coverage and deductible that you choose
Every insurance company has its own proprietary method for calculating insurance rates, which is why you’ll see a range of premiums for the same make and model. But most companies also offer a wide range of car insurance discounts that can help you save money on your car insurance premiums.
An independent insurance agent can help you find the best rates in your area and help you make sure that you take advantage of all the discounts for which you are eligible.
FAQ about Lexus Insurance
We compared several Lexus models and found that the average cost of insurance coverage is $1,516.56 per year among the insurance companies we reviewed. This is above the national average car insurance cost of $1,311 per year. You’ll likely find that car insurance for several Lexus models is quite expensive.
Among the insurance companies we reviewed, we found that the Lexus RC sport coupe is the most expensive model to insure. The average annual insurance cost for a Lexus RC according to our research is $2,036.57
The Lexus NX is both very popular and very affordable to insure compared to other Lexus models. The average cost to insure a Lexus NX is $1,104 per year. This is well below the national average car insurance premium of $1,311.
How to Save the Most Money on Lexus Insurance
You can save the most money on Lexus insurance by working with an independent insurance agent in your area. Independent agents can compare coverage and quotes from multiple insurance companies, allowing you to choose the one that’s best for your needs and budget. Your agent will also help you maximize the discounts that you can apply to your premium, getting you the best possible rate.
https://www.thezebra.com/auto-insurance/vehicles/lexus/es-300h/
https://www.thezebra.com/auto-insurance/vehicles/lexus/gs-350/
https://www.thezebra.com/auto-insurance/vehicles/lexus/gx-460/
https://www.thezebra.com/auto-insurance/vehicles/lexus/ls-460/
https://www.thezebra.com/auto-insurance/vehicles/lexus/lx-570/
https://www.thezebra.com/auto-insurance/vehicles/lexus/nx-200t/
https://www.thezebra.com/auto-insurance/vehicles/lexus/rc-f/
https://www.thezebra.com/auto-insurance/vehicles/lexus/rx-350/