Lexus ES Car Insurance Cost 2025
The cost of insuring a Lexus ES averages $1,911 per year, but it can vary depending on several factors, such as your driving history, age, location, and the year of the car. To get a more precise estimate, it’s recommended to use quote tables to compare costs based on your specific profile and needs.
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If you’re considering buying a Lexus ES, one key factor to think about is the cost of insurance. On average, insurance for a Lexus ES costs $1,911 per year. Insurance is a significant part of car ownership, and it’s important to understand the financial commitment before you decide.
Choosing the right car insurance is essential to avoid unexpected and potentially high costs later on. Adequate coverage can prevent large out-of-pocket expenses if you’re in an accident. Additionally, being at fault in an accident could raise your premiums.
With over ten years of experience studying car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving history, and location significantly impact your insurance premiums.
How Much Does Lexus ES Car Insurance Cost?
Lexus ES drivers typically pay an average of $1,911 per year for car insurance. However, actual rates may vary based on factors such as age, location, driving history, and coverage options. Comparing quotes from multiple providers can help find the best rate.
It’s important to understand that car insurance costs can vary based on several factors, including location, driving history, vehicle model year, and selected coverage options. A clean driving record can help lower premiums, while a history of accidents or traffic violations may increase costs. Urban areas with heavy traffic tend to have higher insurance rates than rural areas with less congestion. Additionally, comprehensive coverage, which includes both comprehensive and collision protection, generally costs more than minimum liability coverage.
As shown in the table below, the cost of insurance for a Lexus ES is lower than the average cost for all Lexus models. However, it is also cheaper than the average cost for all cars. Insuranceopedia can help you compare quotes from various providers to ensure you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Lexus ES | $166 |
| All Lexus | $174 |
| All Cars | $175 |
Average Insurance Cost Of Lexus ES By Model Year
| Model Year | Average Premium |
| 2024 Lexus ES | $6,907 |
| 2023 Lexus ES | $1,608 |
| 2022 Lexus ES | $1,602 |
| 2021 Lexus ES | $969 |
| 2020 Lexus ES | $1,o21 |
| 2019 Lexus ES | $907 |
| 2018 Lexus ES | $1,047 |
| 2017 Lexus ES | $880 |
| 2016 Lexus ES | $975 |
| 2015 Lexus ES | $695 |
| 2014 Lexus ES | $580 |
| 2013 Lexus ES | $714 |
| 2012 Lexus ES | $654 |
| 2011 Lexus ES | $606 |
| 2010 Lexus ES | $593 |
2024 Lexus ES Insurance Rates
The average annual insurance cost for a 2024 Lexus ES is $6,907. However, Unitrin offers the cheapest rates, averaging $1,911 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,911 |
| Metropolitan | $2,338 |
| Nationwide | $2,663 |
| Travelers | $2,810 |
| Mercury | $2,851 |
| Aspire Advantage Roadside | $10,665 |
| Aspire Savings Triple Deductible | $15,451 |
| Aspire Savings Roadside | $16,570 |
2023 Lexus ES Insurance Rates
The average annual insurance cost for a 2023 Lexus ES is $1,608. However, Safeco offers the cheapest rates, averaging $162 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $162 |
| Nationwide | $299 |
| Kemper Auto | Infinity | $922 |
| Unitrin | $1,458 |
| NatGen Custom 360 | $1,553 |
| Direct Auto | $1,736 |
| Travelers | $1,829 |
| Hanover | $2,232 |
| Mercury | $2,886 |
| AssuranceAmerica Economy | $3,004 |
2022 Lexus ES Insurance Rates
The average annual insurance cost for a 2022 Lexus ES is $1,602. However, Safeco offers the cheapest rates, averaging $924 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $924 |
| National General Value | $1,038 |
| Plymouth Rock | $1,322 |
| Penn National | $1,516 |
| Mercury Insurance Company | $1,599 |
| State Farm | $1,604 |
| Mercury Insurance | $1,833 |
| Virginia Farm Bureau | $1,867 |
| Dairyland | $2,135 |
| Hastings Mutual Insurance Co | $2,178 |
2021 Lexus ES Insurance Rates
The average annual insurance cost for a 2021 Lexus ES is $969. However, Safeco offers the cheapest rates, averaging $155 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $155 |
| Hastings Mutual Insurance Co | $550 |
| NatGen Custom 360 | $782 |
| Virginia Farm Bureau | $846 |
| AssuranceAmerica Economy | $919 |
| Westfield | $1,147 |
| AssuranceAmerica Elite | $1,206 |
| PEMCO | $1,329 |
| Capital Insurance Group | $1,336 |
| Oregon Mutual | $1,420 |
2020 Lexus ES Insurance Rates
The average annual insurance cost for a 2020 Lexus ES is $1,021. However, NatGen Custom 360 offers the cheapest rates, averaging $685 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $685 |
| Direct Auto | $751 |
| Safeco | $854 |
| Mercury Insurance | $1,016 |
| Titan | $1,067 |
| Clearcover | $1,136 |
| National General Value | $1,143 |
| Utica National Ins Group | $1,182 |
| New Jersey Manufacturers | $1,178 |
| Texas Farm Bureau Group | $1,198 |
2019 Lexus ES Insurance Rates
The average annual insurance cost for a 2019 Lexus ES is $907. However, Buckeye Insurance Group offers the cheapest rates, averaging $563 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $563 |
| NatGen Custom 360 | $718 |
| Mercury Insurance | $763 |
| American National P | $761 |
| Safeco | $790 |
| SECURA Insurance | $908 |
| Western Reserve | $1,019 |
| AssuranceAmerica Economy | $1,054 |
| Mississippi Farm Bureau | $1,227 |
| AssuranceAmerica Elite | $1,265 |
2018 Lexus ES Insurance Rates
The average annual insurance cost for a 2018 Lexus ES is $1,047. However, Safeco offers the cheapest rates, averaging $593 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $593 |
| Dairyland Auto 1 Month | $660 |
| Buckeye Insurance Group | $985 |
| Capital Insurance Group | $1,086 |
| Texas Farm Bureau Group | $1,125 |
| NatGen Value | $1,140 |
| New Jersey Manufacturers | $1,147 |
| PEMCO | $1,250 |
| SECURA Insurance | $1,220 |
| Utica National Ins Group | $1,266 |
2017 Lexus ES Insurance Rates
The average annual insurance cost for a 2017 Lexus ES is $880. However, Safeco offers the cheapest rates, averaging $589 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $589 |
| American National P | $590 |
| Mercury Insurance | $590 |
| Infinity Special | $781 |
| ALFA | $864 |
| Clearcover | $892 |
| Utica National Ins Group | $1,051 |
| Texas Farm Bureau Group | $1,068 |
| SECURA Insurance | $1,164 |
| North Carolina Farm Bureau | $1,208 |
2016 Lexus ES Insurance Rates
The average annual insurance cost for a 2016 Lexus ES is $975. However, Mercury Insurance offers the cheapest rates, averaging $143 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $143 |
| Kemper Personal Insurance | $598 |
| American National P | $684 |
| Safeco | $785 |
| SECURA Insurance | $1,143 |
| Buckeye Insurance Group | $1,128 |
| Texas Farm Bureau Group | $1,255 |
| Western Reserve | $1,319 |
| Kemper Auto | Infinity | $1,340 |
| Wolverine Mutual | $1,355 |
Find Affordable Lexus ES Insurance Rates
2015 Lexus ES Insurance Rates
The average annual insurance cost for a 2015 Lexus ES is $695. However, Safeco offers the cheapest rates, averaging $142 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $142 |
| Mercury Insurance | $291 |
| American National P | $585 |
| Clearcover | $676 |
| Pekin Insurance | $708 |
| SECURA Insurance | $818 |
| Indiana Farmers Mutual Ins | $876 |
| Buckeye Insurance Group | $954 |
| PEMCO | $947 |
| Infinity Special | $955 |
2014 Lexus ES Insurance Rates
The average annual insurance cost for a 2014 Lexus ES is $580. However, NatGen Value offers the cheapest rates, averaging $216 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $216 |
| Safeco | $276 |
| Mercury Insurance | $300 |
| AssuranceAmerica Mobile Max | $352 |
| American National P | $595 |
| Pekin Insurance | $664 |
| SECURA Insurance | $711 |
| Buckeye Insurance Group | $780 |
| PEMCO | $939 |
| Texas Farm Bureau Group | $966 |
2013 Lexus ES Insurance Rates
The average annual insurance cost for a 2013 Lexus ES is $714. However, Safeco offers the cheapest rates, averaging $178 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $178 |
| American National P | $467 |
| Mercury Insurance | $482 |
| Kemper Auto Premier | $491 |
| Kentucky Farm Bureau | $788 |
| Infinity Special | $814 |
| PEMCO | $941 |
| Farm Bureau Mutual (IA Group) | $959 |
| Texas Farm Bureau Group | $1,006 |
| Utica National Ins Group | $1,012 |
2012 Lexus ES Insurance Rates
The average annual insurance cost for a 2012 Lexus ES is $654. However, Mercury Insurance offers the cheapest rates, averaging $163 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $163 |
| Kemper Auto Premium | $302 |
| Safeco | $376 |
| SECURA Insurance | $725 |
| Safety Group | $788 |
| Buckeye Insurance Group | $790 |
| American National P | $812 |
| Pekin Insurance | $860 |
| Western Reserve | $860 |
| North Carolina Farm Bureau | $863 |
2011 Lexus ES Insurance Rates
The average annual insurance cost for a 2011 Lexus ES is $606. However, Safeco offers the cheapest rates, averaging $110 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $110 |
| Mercury Insurance | $416 |
| AssuranceAmerica Mobile Max | $397 |
| Kemper Personal Insurance | $461 |
| Plymouth Rock Assurance | $615 |
| North Carolina Farm Bureau | $765 |
| Jupiter Auto Insurance | $781 |
| Grange Mutual | $798 |
| NatGen Custom 360 | $789 |
| Mississippi Farm Bureau | $928 |
2010 Lexus ES Insurance Rates
The average annual insurance cost for a 2010 Lexus ES is $593. However, Safeco offers the cheapest rates, averaging $225 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $225 |
| Kemper Personal Insurance | $331 |
| American National P | $485 |
| Dairyland Broadform | $506 |
| New York Central Mutual Fire | $572 |
| Buckeye Insurance Group | $631 |
| Mercury Insurance | $761 |
| Dairyland FR Bond | $784 |
| SafeAuto | $796 |
| NatGen PPA | $835 |
Find Affordable Lexus ES Insurance Rates
Is A Lexus ES Expensive To Insure?
The cost to insure a Lexus ES is lower than the average for all cars. However, your actual insurance premium will depend on various factors, including your age, the age of your vehicle, your location, and other personal details. Comparing quotes from multiple insurance providers can help you find the best rate for your specific situation.
Cheapest Car Insurance Companies For A Lexus ES
If you’re looking to purchase a new car insurance policy for your Lexus ES, you may be interested in finding the most affordable providers. Mile Auto offers the lowest rate at $34 per month, making them the cheapest option for Lexus ES drivers. However, insurance rates vary based on factors like your driving history, location, and coverage needs. To find the best rate for your specific profile, it’s always a good idea to compare quotes from multiple providers.
| Company | Average Monthly Rate |
| Hugo | $44 |
| Mile Auto | $34 |
| FirstChicago | $70 |
| Commonwealth Casualty | $47 |
| Safeco | $46 |
Common Lexus ES Insurance Discounts
Discounts can significantly reduce your car insurance costs. While each provider offers different discounts, here are some common ones to check for eligibility:
- Multi-policy: Bundling your home and auto insurance with the same provider can earn you a lower rate.
- Pay annually: Paying your premium in full upfront instead of monthly installments may qualify you for a discount.
- Defensive driving: Completing a certified defensive driving course can lead to lower premiums.
Other discounts may also be available based on your driving habits, vehicle safety features, or membership affiliations. It’s best to consult your insurance agent to find out which discounts you qualify for.
Ways To Save On Lexus ES Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Lexus ES insurance premiums low. A speeding ticket or accident can cause your rates to increase, with drivers who have a ticket on their record paying around $95 per month, while those with multiple accidents may see an average premium of $129 per month.
Additionally, your annual mileage affects your insurance costs. Lexus ES drivers who log between 5,001-7,500 miles per year typically pay about $87 per month, whereas those exceeding 10,000 miles annually may pay slightly less, around $81 per month. Driving less can reduce your risk of accidents, making you a lower-risk policyholder.
Compare Lexus ES To Other Lexus Models
Our Methodology
Insuranceopedia calculates average car insurance costs based on a large pool of quotes from leading auto insurance providers. The typical profile used includes a 40-year-old male driver purchasing full-coverage car insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind, these averages might differ based on individual factors, such as your location, driving history, age, and the specific model of your car.
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FAQs
Who has the cheapest car insurance for a Lexus ES?
Yes, you must provide proof of insurance before driving your Lexus ES off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance provider about your upcoming car purchase. This ensures you have coverage in place without relying on dealership-offered insurance, which may not always provide the best rates or coverage options.
How Can You Get The Cheapest Insurance For Your Lexus ES?
The most effective way to secure the lowest insurance rates for your Lexus ES is by comparing quotes from various auto insurance providers. Shopping around allows you to find the best deal tailored to your driving profile and coverage needs. Fortunately, Insuranceopedia makes this process easy by offering a platform where you can compare quotes from multiple insurers in one place.
