The national average cost of car insurance for full coverage is $1,674 per year, according to Bankrate’s 2021 study of quoted premiums. However, the actual insurance rate you pay depends on several personal factors, including your driving record, claims history and the type of vehicle you drive.
Luxury vehicles are typically more expensive to insure, so your Lexus insurance rates may be on the higher end. However, it may be possible to find discounts and affordable rates from some of the best car insurance companies on the market. If you’re considering purchasing a Lexus, comparing the cost of insurance by the model may be helpful.
Models included in this review:
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: Lexus 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 may drive up the cost of insurance.
- Safety features: 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. Lexus models also come with blind-spot detection.
- Trim level: As we saw with the Lexus UX, the trim you choose can greatly impact your Lexus insurance costs. Some trims may offer basic features, such as regular headlights, while a higher trim may offer better safety features.
Car insurance for Lexus: by model
While the car insurance for Lexus cars varies for everyone, it may help to consider average auto insurance rates for popular Lexus models. When comparing full coverage car insurance costs, we found the Lexus UX to be the cheapest of the vehicles 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|
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|
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|
Car insurance for Lexus UX
The 2021 Lexus UX is a 2021 Top Safety Pick. 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|
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|
Other car insurance coverage for Lexus
Whether you’re planning to stick with your current car insurance provider or switch to a new one, it’s important to regularly consider auto insurance coverage options, especially when purchasing a new vehicle.
In addition to the coverage types required in your state, comprehensive and collision coverage are optional coverage types you may need if your vehicle is financed or leased. Even if the Lexus is paid off, you may want to consider these coverage types to help cover your vehicle’s repair costs from a covered claim.
If you are in the market for a new Lexus, some additional types of coverage could also prove beneficial. You may want to consider your circumstances to decide which coverage options could be helpful to have. These additional coverage types include:
- Gap insurance: Gap insurance covers the difference between what your new vehicle is worth and what you owe on it if it is totaled in a covered accident. Some lessors may require you to purchase gap coverage.
- Roadside assistance: Roadside assistance coverage helps with the towing, changing a flat tire or fuel delivery if you break down on the side of the road. It does not cover the cost of a tire replacement or fuel, though.
- New car replacement coverage: New car replacement coverage will cover the cost of a new vehicle if your car gets totaled.
- Rental car insurance: This coverage covers the rental car costs if your vehicle is in the shop getting repaired due to a covered claim.
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 coverage that meets 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.