Car insurance for Lexus

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The annual national average cost of car insurance for full coverage is $1,674 per year, but there are many different factors that can impact how much you pay for car insurance. Where you live, your age, driving history and coverage needs are typically considered, but so is the make and model of the car you drive. Lexus vehicles are considered luxury, but you won’t necessarily have to pay luxury car insurance rates to drive all its model types.

Bankrate’s insurance editorial team chose five of the best car insurance companies according to our scoring system, which is determined by weighing scores for customer satisfaction, financial strength, and 2021 average quoted rates.

Models included in this review:

  • Lexus ES
  • Lexus GS
  • Lexus GX
  • Lexus UX

How much does it cost to insure a Lexus?

With the average car insurance policy costing $1,674 per year, the make and model of your vehicle is one major factor that determines your premium. The car insurance company you choose is another factor, with rates varying between insurance carriers.

Some other rate factors that impact the cost of Lexus insurance include:

  • Crash rate stats per make/model: Lexas rates high for safety features. The 2021 models of the Lexus ES and Lexus UX, for example, are awarded Top Safety Picks from the Insurance Institute for Highway Safety (IIHS), speaking volumes about the level of safety of each vehicle.
  • Price of parts: Because Lexus is considered a luxury brand, its models may have high-end parts that cost more than those on a more affordable vehicle.
  • Safety features: To help lower insurance costs, Lexus offers its Lexus Safety System+ 2.5 on all models 2020 or newer with upgraded safety features, like left-turn pedestrian detection and smart curve technology for cruise control.

Car insurance for Lexus: by model

While the car insurance for Lexus cars vary for everyone, it helps to consider average premiums for popular Lexus models. When comparing full coverage car insurance costs, we found the Lexus UX to be the cheapest of the cars we reviewed at $1,675 per year on average. The Lexus GS is the most expensive, costing $2,219 annually on average for the same coverage and driver profile.

Car insurance for Lexus ES

Excellent safety features go far with the Lexus ES. Both the 2020 and 2019 Lexus ES 350 receive strong ratings in National Highway Traffic Safety Administration (NHTSA) crash test ratings, earning anywhere between four and five stars out of five per test.

You may be able to enjoy additional discounts for your insurance rates when you add extra safety features, like a blind spot monitor and auto-leveling headlights. Like most Lexus models, the trim you choose determines the safety features that you receive.

Lexus ES car insurance Average annual premium
Minimum coverage $482
Full coverage $2,009

Car insurance for Lexus GS

This luxury midsize sedan runs more expensive than the average cost of auto insurance for full coverage.

While not an IIHS Top Safety Pick, the Lexus GS still receives top ratings in tested areas. Standard safety features include daytime running lights, blind spot detection, lane departure warnings and lane departure prevention. These can all help save money on your auto insurance with safety discounts.

Lexus GS car insurance Average annual premium
Minimum coverage $490
Full coverage $2,219

Car insurance for Lexus GX

The Lexus GX is a large four-door SUV that includes the Lexus Safety System+ for extra auto insurance discounts. Included safety features include a blind spot monitor with rear-cross traffic alert, hill-start assist control and parking assist. While not an IIHS safety pick, it receives acceptable ratings for the built-in child latch.

Lexus GX car insurance Average annual premium
Minimum coverage $504
Full coverage $1,885

Car insurance for Lexus UX

The 2021 Lexus UX is a 2021 Top Safety Pick as a small four-door SUV when you upgrade your headlights. The top trims are rated the strongest, while the lower trims receive poor overall ratings. Other safety features to help you save include standard daytime running lights, blind spot detection, lane departure warning, and lane departure prevention.

Lexus UX car insurance Average annual premium
Minimum coverage $491
Full coverage $1,675

Cheapest car insurance companies for Lexus

To compare Lexus car insurance costs between the different models, we look to some of the best car insurance companies for 2021. We calculated rates for different Lexus models using five leading auto insurance providers, including Amica, Erie, Geico, State Farm and USAA. These are average rates for the largest auto insurance companies from our list based on market share.

Average annual premium for full coverage by model

Car insurance company Lexus ES Lexus GS Lexus GX Lexus UX
Amica $1,444 $1,654 $1,344 $1,373
Erie $1,385 $1,698 $1,412 $1,463
Geico $1,754 $1,966 $1,721 $1,387
State Farm $1,711 $1,914 $1,627 $1,420
USAA $1,457 $1,421 $1,405 $1,174

Lexus features that impact insurance costs

Lexus is known for being an upscale luxury brand that combines Toyota’s reliability with upgraded grandeur.

There are several Lexus features that could impact the cost of auto insurance for Lexus models:

  • Safety ratings: Just as you look at safety ratings before buying a car, insurance companies often look at these ratings to help them determine what to charge for your auto insurance. High safety ratings from the IIHS may help you earn extra savings on your insurance.
  • Trim level: As we saw with the Lexus UX, the trim you choose can have a big impact on your Lexus insurance costs. Some trims may offer basic features, such as regular headlights, while a higher trim may offer better safety features.
  • Air bags: Lexus has some of the best air bag systems in the industry, with sensors to offer more intelligent security.
  • Blind spot detection: Lexus incorporates blind spot detection to help minimize your risk of collision on the road.
  • Safety Standard+: There are additional safety protocols that come with the Lexus Safety System+ like left-turn intersection detection and curve detection for cruise control.

Other car insurance coverage for Lexus

Whether you’re planning to stick with your current car insurance carrier or switch to a new one, it’s important to regularly consider auto insurance coverage options, especially when purchasing a new car.

If you are in the market for a new Lexus, some additional types of coverage could prove beneficial. Comprehensive and collision coverage comes standard with most policies, and uninsured/underinsured motorist coverage may be required based on state insurance laws. Other types of coverage include gap insurance when you are leasing or financing a vehicle. Roadside assistance and rental car reimbursement are convenient types of coverage to carry if you are a frequent traveler.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Lexus of the following model types, commute five days a week and drive 12,000 miles annually:

  • Lexus ES
  • Lexus GS
  • Lexus GX
  • Lexus UX

These are sample rates and should only be used for comparative purposes.

Written by
Lena Borrelli
Insurance Contributor
Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as allconnect, Healthline and Reviews.com. She previously worked for Morgan Stanley.
Edited by
Insurance Editor