Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.
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The average car insurance cost for Lexus vehicles is $3,182 per year or $265 per month. Lexus car insurance costs vary depending on the model you own. Whether you drive a sedan or a powerful SUV, it's important to know how much insurance will cost and how to reduce it.
Below, we look at the average car insurance cost for Lexus cars by model. We also highlight the most and least expensive models to insure and share tips to help you save money.
How much does Lexus insurance cost?
On average, Lexus drivers pay $3,182 per year or $265 per month for full coverage car insurance.
The average cost of insuring Lexus vehicles is $519, which is more than the national average, though some models cost much less or much more than others.
| Vehicle model | Liability-only (50/100/50) | Full coverage (100/300/100, $500 ded.) |
|---|---|---|
| ES | $1,159 | $2,924 |
| ES Hybrid | $1,141 | $2,951 |
| IS | $1,171 | $3,223 |
| LC | $1,066 | $4,437 |
| LS | $1,118 | $4,158 |
| LX | $1,192 | $3,800 |
| NX | $1,187 | $2,612 |
| NX Hybrid | $1,179 | $2,668 |
| RC | $1,188 | $3,173 |
| RC F | $1,214 | $4,074 |
| RX | $1,127 | $2,555 |
| RX Hybrid | $1,120 | $2,725 |
| TX | $1,178 | $3,020 |
| UX | $1,176 | $2,490 |
Tip
If you're shopping for a new or used Lexus, compare car insurance rates before you buy so you know your estimated rate ahead of time and aren't surprised by the cost.
Lexus car insurance cost by model
Here's a closer look at average monthly premiums for popular Lexus models. Rates are based on a 40-year-old driver with a clean record and full coverage.
| Vehicle model | Monthly premium |
|---|---|
| ES | $244 |
| ES Hybrid | $246 |
| IS | $269 |
| LC | $370 |
| LS | $346 |
| LX | $317 |
| NX | $218 |
| NX Hybrid | $222 |
| RC | $264 |
| RC F | $340 |
| RX | $213 |
| RX Hybrid | $227 |
| TX | $252 |
| UX | $208 |
Cheapest Lexus models to insure
If you are looking for the most economical Lexus vehicles to insure, these models have the lowest auto insurance rates:
- UX - $2,504
- RX - $2,576
- NX - $2,629
- NX Hybrid - $2,701
Why are these models cheaper to insure?
These models may be cheaper to insure for a few reasons:
- Strong safety ratings and advanced safety features. Safer vehicles reduce the risk of injuries and accidents.
- Lower repair costs. Vehicles with readily available, affordable parts are cheaper to insure.
- Lower frequency of claims based on historical data. Insurance companies use this information to set lower rates for models with a good track record.
Most expensive Lexus models to insure
Some Lexus vehicles have a higher price tag—and that includes insurance. These models tend to have higher horsepower, costlier parts and a greater risk profile.
- LC - $4,421
- LS - $4,150
- RC F - $4,121
- LX - $3,819
Why are these models expensive to insure?
These models may be more expensive to insure because:
- They cost more to repair or replace if damaged or stolen.
- They may have powerful engines, which means a higher risk of speeding and therefore, accidents.
- Thieves target them more often.
- They often have expensive parts and advanced tech that are costly to fix.
What factors affect car insurance rates for Lexus?
Several factors influence your insurance rate—some related to the car, others to you as the driver.
- Model and trim level: Performance features and size impact pricing.
- Vehicle age: Newer cars often cost more to insure.
- Safety ratings: Vehicles with more safety tech often earn discounts.
- Driver profile: Your age, ZIP code, credit score and driving history play a big role.
- Coverage level: Full coverage costs more than minimum liability, but provides better protection.
How to save on car insurance if you own Lexus
Car insurance can be a big expense, but there are ways to save money. If you drive a Lexus, you might be able to lower your costs by making smart choices. Here are some steps to save on insurance for your Lexus:
- Shop around - Compare quotes from multiple insurers annually
- Increase deductibles - Opt for a higher deductible to lower premiums
- Bundle policies - Combine auto and home or renters insurance
- Ask about discounts - Safe driver, low mileage, good student and more
- Use telematics - Usage-based programs reward good driving habits
Bottom line
Lexus offers a wide range of vehicles. While insurance costs vary by model, knowing the averages and understanding what affects your rate can help you make smart coverage decisions.
Want the best rate on Lexus car insurance? Start by comparing quotes today and see how much you could save.
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage