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.
Depending on the model, average costs for Lexus car insurance range from $124 to $156 per month, according to Insurify data.
Toyota launched the Lexus luxury brand in 1989.
The Lexus RZ is the most expensive model to insure.
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.
Lexus Model | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Lexus CT | $198 | $113 |
| Lexus ES | $202 | $116 |
| Lexus GS | $203 | $114 |
| Lexus GS-F | $170 | $121 |
| Lexus GX | $197 | $113 |
| Lexus HS | $210 | $112 |
| Lexus IS | $206 | $116 |
| Lexus IS-F | $238 | $100 |
| Lexus LC | $234 | $110 |
| Lexus LS | $202 | $114 |
| Lexus LX | $207 | $114 |
| Lexus NX | $206 | $110 |
| Lexus RX | $201 | $115 |
| Lexus RC | $190 | $119 |
| Lexus RC-F | $187 | $115 |
| Lexus RZ | $211 | $146 |
| Lexus SC | $195 | $110 |
| Lexus TX | $172 | $89 |
| Lexus UX | $189 | $118 |
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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.
Insurance CompanyAverage Monthly QuoteMile Auto $68 Root $93 Progressive $97 Commonwealth Casualty $106 Dairyland $106 Sun Coast $109 National General $118 Direct Auto $120 Mercury $121 CSAA $123 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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.
Insurance CompanyAverage Monthly QuoteMile Auto $68 Farmers $103 Root $104 Progressive $111 Dairyland $113 Mercury $124 National General $124 Direct Auto $124 Kemper $136 The General $141 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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.
Insurance CompanyAverage Monthly QuoteFarmers $44 Mile Auto $69 Progressive $88 Root $101 Dairyland $112 Mercury $116 National General $127 The General $135 Commonwealth Casualty $142 Kemper $142 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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.
Insurance CompanyAverage Monthly QuoteMile Auto $65 Commonwealth Casualty $100 Dairyland $100 National General $116 Progressive $117 Direct Auto $118 Mercury $120 The General $128 Bristol West $146 Clearcover $162 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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.
Insurance CompanyAverage Monthly QuoteMile Auto $71 Dairyland $117 CSAA $120 National General $126 Root $126 Direct Auto $127 Progressive $132 Commonwealth Casualty $160 Bristol West $169 Foremost Signature $205 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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.
Insurance CompanyAverage Monthly QuoteMile Auto $64 Root $100 Commonwealth Casualty $107 Direct Auto $117 National General $118 The General $127 Dairyland $129 GAINSCO $145 Elephant $150 Foremost Signature $185 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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.
Insurance CompanyAverage Monthly QuoteMile Auto $71 Root $100 Dairyland $101 National General $119 Mercury $121 Direct Auto $129 Foremost Signature $129 The General $139 Clearcover $153 Elephant $153 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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.
Insurance CompanyAverage Monthly QuoteMile Auto $74 Mercury $122 National General $125 Direct Auto $127 Kemper Special $127 Root $134 Dairyland $149 Commonwealth Casualty $150 Clearcover $155 Bristol West $161 Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Best for customer satisfaction: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Best for drivers older than 25: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $80/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $148/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
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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.
Average Monthly Cost by State
State | Average Monthly Rate |
|---|---|
| Alabama | $142 |
| Arkansas | $132 |
| Arizona | $130 |
| California | $123 |
| Colorado | $138 |
| Connecticut | $151 |
| District of Columbia | $182 |
| Delaware | $154 |
| Florida | $176 |
| Georgia | $140 |
| Iowa | $137 |
| Idaho | $125 |
| Illinois | $135 |
| Indiana | $141 |
| Kansas | $130 |
| Kentucky | $138 |
| Louisiana | $124 |
| Massachusetts | $169 |
| Maryland | $172 |
| Maine | $137 |
| Michigan | $176 |
| Minnesota | $131 |
| Missouri | $129 |
| Mississippi | $155 |
| Montana | $121 |
| North Carolina | $113 |
| North Dakota | $151 |
| Nebraska | $136 |
| New Hampshire | $169 |
| New Jersey | $115 |
| New Mexico | $150 |
| Nevada | $166 |
| Ohio | $132 |
| Oklahoma | $134 |
| Oregon | $117 |
| Pennsylvania | $167 |
| Rhode Island | $116 |
| South Carolina | $176 |
| South Dakota | $92 |
| Tennessee | $132 |
| Texas | $143 |
| Utah | $139 |
| Virginia | $157 |
| Vermont | $246 |
| Washington | $132 |
| Wisconsin | $128 |
| West Virginia | $138 |
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:
Bodily injury liability coverage
If you cause an accident, bodily injury liability helps pay for the other driver’s medical treatment. Most states require drivers to have this coverage.
Property damage liability coverage
This coverage pays for repairs and necessary services if you damage another driver’s car. Most states mandate this coverage as part of minimum liability insurance.
Comprehensive coverage
If a non-collision incident damages your car, comprehensive coverage pays for repairs. This can include damage from severe weather, vandalism, fire, theft, and more.
Collision coverage
Regardless of who causes the accident, collision coverage helps pay for your vehicle repairs. If you cause an accident and don’t have this coverage, you must pay for your car repairs out of pocket.
Medical payments coverage
Medical payments coverage can pay for the costs of medical treatment and funeral expenses for you and your passengers following an accident, regardless of fault.
Personal injury protection (PIP) coverage
PIP insurance can cover medical and non-medical expenses related to injury and loss from an accident for you and your passengers.
Uninsured/underinsured motorist coverage
Even though most states mandate liability insurance, some drivers don’t have any or enough coverage. If one of those drivers causes an accident, uninsured/underinsured motorist coverage helps pay for your injuries and vehicle repairs.
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.
Sources
- J.D. Power. "10 Most Popular Luxury Cars."
- Kelley Blue Book. "Best Luxury Midsize SUVs."
- III. "What determines the price of an auto insurance policy?."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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