How Much Does Lexus Car Insurance Cost?
On average, insuring a Lexus costs $266 per month, adding up to about $3,191 a year.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of insuring a Lexus varies based on several factors. Your age, driving history, and where you live all affect your car insurance premium. Insurance companies use this information to evaluate the risk of covering your Lexus.
Insurance Cost Per Lexus Model
| Lexus Model | Average Yearly Insurance Cost |
| Lexus ES | $2,908 |
| Lexus IS | $3,119 |
| Lexus LX | $3,704 |
| Lexus NX | $2,558 |
| Lexus RC F | $4,957 |
| Lexus RX | $2,478 |
| Lexus GX | $2,613 |
Keep in mind that these numbers are just averages. Your actual cost can change based on where you live, your age, your driving history, and the type of coverage you select.
Lexus Car Insurance Cost – By Company
| Insurance Provider | Average Monthly Premium |
| State Farm | $208 |
| USAA | $233 |
| GEICO | $320 |
| Progressive | $335 |
| Allstate | $853 |
Lexus Car Insurance Cost – By U.S. State
| State | Average Annual Rate |
| Alabama | $3,265 |
| Alaska | $2,711 |
| Arizona | $3,052 |
| Arkansas | $3,347 |
| California | $3,738 |
| Colorado | $3,487 |
| Connecticut | $4,447 |
| Delaware | $3,696 |
| Florida | $4,381 |
| Hawaii | $1,439 |
| Idaho | $2,483 |
| Illinois | $2,601 |
| Indiana | $2,677 |
| Iowa | $2,113 |
| Kansas | $2,805 |
| Kentucky | $4,079 |
| Louisiana | $5,222 |
| Maine | $1,973 |
| Maryland | $3,207 |
| Massachusetts | $2,572 |
| Michigan | $6,193 |
| Minnesota | $2,551 |
| Mississippi | $3,076 |
| Missouri | $2,904 |
| Montana | $2,941 |
| Nebraska | $2,496 |
| Nevada | $4,111 |
| New Hampshire | $2,863 |
| New Jersey | $3,152 |
| New Mexico | $3,219 |
| New York | $2,973 |
| North Carolina | $1,835 |
| North Dakota | $2,518 |
| Ohio | $2,243 |
| Oklahoma | $3,593 |
| Oregon | $3,280 |
| Pennsylvania | $2,754 |
| Rhode Island | $4,595 |
| South Carolina | $3,116 |
| South Dakota | $2,808 |
| Tennessee | $3,293 |
| Texas | $3,327 |
| Utah | $2,833 |
| Vermont | $2,169 |
| Virginia | $2,050 |
| Washington | $2,702 |
| West Virginia | $2,723 |
| Wisconsin | $2,711 |
| Wyoming | $2,536 |
| Georgia | $3,583 |
How To Save Money On Lexus Car Insurance?
Owning a Lexus comes with various costs, and car insurance is one of the largest. However, you can find ways to save on your insurance. Here’s how:
1. Keep a Clean Driving Record
Insurance companies look at your driving history to set your premium. By avoiding accidents and tickets, you show that you’re a low-risk driver, which can lower your insurance costs.
2. Bundle Your Policies
Many insurers offer discounts if you combine different types of insurance, like home and auto. This can simplify managing your insurance and save you money on premiums.
3. Raise Your Deductible
Increasing your deductible—the amount you pay out of pocket before insurance starts covering costs—can lower your premium. Just make sure you can afford the higher deductible if needed.
4. Add Safety Features
Lexus vehicles already have many safety features, but adding extras like anti-theft devices can reduce your insurance costs by lowering the risk of theft and damage.
5. Use Available Discounts
Insurance companies often provide discounts for things like being a good student, having a clean driving record, or completing a defensive driving course. Check with your insurer to see which discounts you might qualify for.
6. Compare Insurance Providers
Insurance rates can vary widely between different companies. It’s important to compare quotes and choose the one that offers the best value for you.
7. Consider Usage-Based Insurance
If you don’t drive your Lexus often, look into usage-based insurance. This type of policy bases your premium on how much you drive, which can save you money if your Lexus isn’t your primary vehicle.
