Cost of Lexus Car Insurance (2025)
Lexus drivers pay an average of $139 per month for car insurance.
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Lexus is one of the most popular car brands, especially for drivers interested in luxury vehicles.1 Pricing for the cheapest model starts around $40,000 and is comparable to pricing for mainstream brands like Chevrolet and Kia. But at $139 per month, the average cost of insurance for a Lexus is higher than the overall national average.
Lexus drivers pay $202 per month for full-coverage insurance and $114 for liability-only coverage. As you shop for the best Lexus insurance coverage, comparing quotes to get the best deal is essential.
Here’s what you need to know about finding the best car insurance as a Lexus driver.
Cost of Lexus insurance by model
The model and year of your Lexus influence the cost of insurance. Based on average pricing, the Lexus GS-F is the cheapest model to insure, while the Lexus IS-F is the most expensive.
Here are the average insurance quotes for each Lexus model.
Cheapest Lexus insurance by model
Your Lexus model and which insurance company you choose will affect how much you pay for insurance. Car insurance companies determine rates in unique ways, so it’s important to compare quotes from multiple insurers at once. Some insurers even offer much lower pricing than average for specific Lexus models.
The following insurers offer the cheapest insurance rates for Lexus drivers.
The Lexus ES is a mid-range luxury sedan with a starting MSRP (manufacturer’s suggested retail price) of $43,215 for the 2025 model. It’s one of the cheapest Lexus vehicles, and average insurance costs fall right in the middle compared to other models.
Some companies, including Mile Auto and Progressive, offer rates significantly lower than the average cost. Compare average quotes for the Lexus ES from top insurers below.
With a starting MSRP of $40,435, the Lexus IS is one of the brand’s cheapest models but one of the most expensive to insure. Lexus IS drivers pay an average of $143 per month. It’s important to compare auto insurance products and quotes for your Lexus IS to find the best deal.
Here are the cheapest insurers for a Lexus IS.
The Lexus RX is the brand’s cheapest model to insure, with an average monthly cost of $139. It’s one of the bestselling luxury cars in the country and ranks as one of Kelley Blue Book’s best luxury SUVs.2 The Lexus RX has a starting MSRP of $50,475.
Drivers with a Lexus RX can find the best rates from Farmers, Mile Auto, and Progressive. Here are the most competitive auto insurance premiums for this model.
Discontinued in 2020, used models of the Lexus GS are still available. The vehicle has a KBB Fair Purchase Price of $36,100. Lexus GS drivers pay higher insurance rates than drivers of most other Lexus models. The Lexus IS is the only model that costs more to insure.
Here are average rates from the most affordable insurers.
Lexus NX drivers can enjoy the vehicle’s comfortable interior and affordable compact SUV pricing. This model starts at $42,140, which is less expensive than many other Lexus options. Insurance prices are higher than expected compared to other models.
Find the average cost of coverage from the cheapest insurers for the Lexus NX.
With a starting price of $81,685 for the 2025 model, the Lexus LS is one of the most expensive models. But despite the hefty price tag, insurance costs are surprisingly affordable compared to other Lexus models. Lexus LS drivers pay an average of $133 per month, and some insurers offer average rates significantly lower than that.
Consider these average quotes from top insurers.
The Lexus GX offers third-row seating and SUV capabilities with a starting price of $65,285 for the 2025 model. The GX underwent a complete redesign in 2023, and the 2025 model continues to focus on off-road capabilities and passenger accommodations. Insurance costs for the GS are lower than expected, especially compared to other Lexus models.
The following insurers offer the best rates for Lexus GX drivers.
Lexus discontinued the CT after the 2017 model, but you can still potentially find a used version of the car. It has a KBB Fair Purchase Price of $17,950. Having an older car usually results in lower insurance prices, which is true for average rates for the Lexus CT. Insurance for the CT averages $144 per month.
Here are the average car insurance quotes for Lexus CT drivers.
Best companies for Lexus car insurance
As you search for the best insurance company for your Lexus, you should consider the company’s rates, customer service, coverage options, and discounts. Your driving history, age, location, and vehicle type affect how much you pay, which is why it’s essential to compare quotes.3
Here’s a closer look at three of the best car insurance companies for drivers of Lexus models.
Best for military members, veterans, and their families: USAA
Best for customer satisfaction: State Farm
Best for drivers older than 25: GEICO
Average cost of Lexus insurance by state
Where you live, even down to the ZIP code, can affect how much you pay for car insurance. Different areas have different crime levels, accident levels, and weather patterns that insurers consider when setting rates.
The table below shows how your rates fluctuate based on which state you live in.
How to ensure you have enough coverage on your Lexus
Because Lexus is a luxury car brand, you can face expensive vehicle repair and replacement costs if you have an accident or experience a loss. It’s critical to ensure that you have robust enough insurance to cover future claims.
Here are standard coverage options to consider:
Lexus insurance FAQs
As you search for coverage for your Lexus, it’s essential to consider quotes from multiple insurers, as well as their policy options, discount offerings, and customer satisfaction.
Mile Auto offers the cheapest insurance quotes for all Lexus models in the United States. Other affordable options include Farmers and Root. Your age, ZIP code, driving experience, vehicle safety features, and driving record all have an effect on your car insurance rates. You might find better rates with different insurance companies depending on those factors.
It depends on the model. Lexus owners spend an overall average of $139 per month for insurance, which breaks down to $114 per month for liability coverage and $202 for full coverage.
The average insurance premium for a Lexus ES 350 is $116 per month for liability only and $202 for full coverage. Insurance costs for this model are comparable to similar models. The ES isn’t the most or least expensive model to insure.
Most states mandate liability insurance, meaning you must have coverage for your Lexus. But insurance experts typically recommend that drivers with expensive cars opt for a full-coverage policy, which provides additional coverage beyond the minimum requirements and can lead to savings if you need to file a claim.
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