Lexus LX Car Insurance Cost 2025
The average cost to insure a Lexus LX is $2,313 per year. However, the actual rate can vary based on factors like your age, driving history, the model year of your car, and the coverage options you choose. You can use our quote tables to get an estimate tailored to your specific situation, which will give you a more accurate figure based on these variables.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re considering purchasing a Lexus LX, it’s important to consider the cost of insurance. On average, insurance for a Lexus LX costs $2,313 per year. Insurance plays a significant role in car ownership, and it’s crucial to understand the financial commitment before making a decision.
Selecting the right car insurance is essential to avoid unexpected and potentially costly surprises in the future. It’s crucial to have adequate coverage in case of an accident to avoid substantial out-of-pocket expenses. Additionally, being responsible for an accident could lead to higher premiums.
With over ten years of experience studying car insurance rates, I’ve observed how much these costs can vary. Your age, driving history, and location are all important factors that can influence your insurance premiums.
How Much Does Lexus LX Car Insurance Cost?
Typically, Lexus LX drivers can expect to find car insurance at an average rate of $2,313 per year. However, the exact cost can vary based on personal factors like your driving history, age, location, and the model year of your Lexus LX.
It’s important to understand that car insurance costs for a Lexus LX can vary significantly depending on several factors. These include your location, driving history, the model year of your vehicle, and the coverage options you choose. A clean driving record can help you secure lower premiums, while a history of accidents or traffic violations may increase your rates.
Additionally, if you live in an area with heavy traffic, like an urban location, you might pay higher rates compared to those in rural areas with less congestion. The type of coverage you select also affects the cost—comprehensive insurance, which covers both comprehensive and collision, typically costs more than just basic liability coverage.
As shown in the comparison, the cost to insure a Lexus LX is generally lower than the average for other Lexus models, but still more expensive than the average for all cars. Shopping around and comparing quotes from various providers is key to finding the best deal.
| Vehicle | Average Monthly Premium |
| Lexus LX | $164 |
| All Lexus | $172 |
| All Cars | $175 |
Average Insurance Cost Of Lexus LX By Model Year
| Model Year | Average Premium |
| 2023 Lexus LX | $4,678 |
| 2022 Lexus LX | $2,344 |
| 2021 Lexus LX | $1,403 |
| 2020 Lexus LX | $3,008 |
| 2019 Lexus LX | $1,712 |
| 2018 Lexus LX | $1,711 |
| 2017 Lexus LX | $1,381 |
| 2016 Lexus LX | $2,661 |
| 2015 Lexus LX | $1,213 |
| 2014 Lexus LX | $1,157 |
| 2013 Lexus LX | $1,317 |
| 2011 Lexus LX | $1,528 |
| 2010 Lexus LX | $1,099 |
2023 Lexus LX Insurance Rates
The average annual insurance cost for a 2023 Lexus LX is $4,678. However, New York Central Mutual Fire offers the cheapest rates, averaging $2,313 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $2,313 |
| Travelers | $2,890 |
| Erie | $3,295 |
| USAA | $3,925 |
| Nationwide | $4,303 |
| Hanover | $4,487 |
| State Farm | $5,433 |
| Allstate | $6,178 |
| Unitrin | $6,494 |
| Chubb | $7,457 |
2022 Lexus LX Insurance Rates
The average annual insurance cost for a 2022 Lexus LX is $2,344. However, Kemper Auto | Infinity offers the cheapest rates, averaging $968 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $968 |
| Plymouth Rock | $1,747 |
| North Carolina Farm Bureau | $2,204 |
| NatGen PPA | $2,207 |
| Erie | $2,391 |
| Mercury Insurance Company | $2,490 |
| GMAC Insurance Group | $2,646 |
| California Capital | $2,781 |
| Penn National | $2,906 |
| Unitrin | $3,104 |
2021 Lexus LX Insurance Rates
The average annual insurance cost for a 2021 Lexus LX is $1,403. However, Oregon Mutual offers the cheapest rates, averaging $937 per year.
| Insurance Provider | Average Annual Cost |
| Oregon Mutual | $937 |
| Virginia Farm Bureau | $1,078 |
| Mutual Of Enumclaw | $1,276 |
| Unigard | $1,401 |
| SAFECO | $1,442 |
| Plymouth Rock | $1,460 |
| PEMCO | $1,554 |
| Penn National | $1,622 |
| Auto-Owners Insurance Co | $1,618 |
| North Carolina Farm Bureau | $1,638 |
2020 Lexus LX Insurance Rates
The average annual insurance cost for a 2020 Lexus LX is $3,008. However, New Jersey Manufacturers offers the cheapest rates, averaging $1,640 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,640 |
| Penn National | $2,394 |
| North Carolina Farm Bureau | $2,699 |
| GMAC Insurance Group | $2,741 |
| Nationwide | $2,933 |
| State Farm | $3,336 |
| Erie | $3,345 |
| Allied | $3,537 |
| Travelers | $3,712 |
| Mercury | $3,740 |
2019 Lexus LX Insurance Rates
The average annual insurance cost for a 2019 Lexus LX is $1,712. However, Safeco offers the cheapest rates, averaging $1,125 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $1,125 |
| Texas Farm Bureau Group | $1,293 |
| Atlantic States Insurance | $1,666 |
| Farm Bureau Mutual (IA Group) | $1,713 |
| California Capital | $1,721 |
| Mercury | $1,773 |
| Nationwide | $1,847 |
| Auto-Owners Insurance Co | $1,934 |
| Travelers | $1,975 |
| Allied | $2,072 |
2018 Lexus LX Insurance Rates
The average annual insurance cost for a 2018 Lexus LX is $1,712. However, Texas Farm Bureau Group offers the cheapest rates, averaging $936 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $936 |
| New Jersey Manufacturers | $1,425 |
| Penn National | $1,524 |
| Virginia Farm Bureau | $1,599 |
| National General | $1,629 |
| Auto-Owners Insurance Co | $1,709 |
| Allied | $1,889 |
| Mercury | $1,979 |
| California Capital | $2,173 |
| Republic Indemnity | $2,248 |
2017 Lexus LX Insurance Rates
The average annual insurance cost for a 2017 Lexus LX is $1,381. However, NatGen Value offers the cheapest rates, averaging $565 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $565 |
| Kemper Premium | $696 |
| Texas Farm Bureau Group | $1,031 |
| Capital Insurance Group | $1,139 |
| Safeco | $1,425 |
| California Capital | $1,633 |
| Atlantic States Insurance | $1,682 |
| 21st Century | $1,825 |
| Chubb | $1,890 |
| Auto-Owners Insurance Co | $1,920 |
Find Affordable Lexus LX Insurance Rates
2016 Lexus LX Insurance Rates
The average annual insurance cost for a 2016 Lexus LX is $2,661. However, National General offers the cheapest rates, averaging $512 per year.
| Insurance Provider | Average Annual Cost |
| National General | $512 |
| Country | $1,343 |
| Auto-Owners Insurance Co | $1,491 |
| Travelers | $2,876 |
| Mercury | $2,948 |
| Nationwide | $3,228 |
| Allied | $3,249 |
| State Farm | $3,485 |
| United Automobile Ins Group | $3,671 |
| Plymouth Rock | $3,810 |
2015 Lexus LX Insurance Rates
The average annual insurance cost for a 2015 Lexus LX is $1,213. However, American National P offers the cheapest rates, averaging $546 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $546 |
| Penn National | $988 |
| Texas Farm Bureau Group | $1,089 |
| Grange Mutual | $1,271 |
| Direct General Insurance | $1,243 |
| Tennessee Farmers | $1,330 |
| Virginia Farm Bureau | $1,372 |
| Southern Farm Bureau | $1,402 |
| Atlantic States Insurance | $1,413 |
| Westfield | $1,475 |
2014 Lexus LX Insurance Rates
The average annual insurance cost for a 2014 Lexus LX is $1,157. However, Direct General Insurance offers the cheapest rates, averaging $723 per year.
| Insurance Provider | Average Annual Cost |
| Direct General Insurance | $723 |
| Farm Bureau Mutual (IA Group) | $964 |
| SECURA Insurance | $986 |
| IMT Insurance Company | $1,042 |
| Mississippi Farm Bureau | $1,051 |
| Virginia Farm Bureau | $1,205 |
| Pekin Insurance | $1,237 |
| Cameron Mutual Group | $1,381 |
| Mercury | $1,369 |
| American Family | $1,614 |
2013 Lexus LX Insurance Rates
The average annual insurance cost for a 2013 Lexus LX is $1,317. However, American National P Insurance offers the cheapest rates, averaging $658 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $658 |
| Travelers | $1,293 |
| Cameron Mutual Group | $1,261 |
| Farm Bureau Mutual (IA Group) | $1,315 |
| Texas Farm Bureau Group | $1,322 |
| Farmers Mutual of Nebraska | $1,331 |
| Nationwide | $1,322 |
| IMT Insurance Company | $1,542 |
| Hastings Mutual Insurance Co | $1,518 |
| Pekin Insurance | $1,603 |
2011 Lexus LX Insurance Rates
The average annual insurance cost for a 2011 Lexus LX is $1,317. However, USAA offers the cheapest rates, averaging $955 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $955 |
| Country | $1,062 |
| Nationwide | $1,097 |
| Auto-Owners Insurance Co | $1,193 |
| Erie | $1,419 |
| Penn National | $1,479 |
| Central Mutual Insurance Co | $1,543 |
| State Farm | $1,767 |
| Encompass | $2,286 |
| Southern Ins Co of Virginia | $2,478 |
2010 Lexus LX Insurance Rates
The average annual insurance cost for a 2010 Lexus LX is $1,317. However, NatGen Value offers the cheapest rates, averaging $770 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $770 |
| Dairyland | $826 |
| Texas Farm Bureau Group | $885 |
| Auto-Owners Insurance Co | $1,045 |
| New Jersey Manufacturers | $1,064 |
| National General | $1,137 |
| Penn National | $1,159 |
| Grange Mutual | $1,256 |
| USAA | $1,411 |
| Tennessee Farmers | $1,438 |
Find Affordable Lexus LX Insurance Rates
Is A Lexus LX Expensive To Insure?
The cost to insure a Lexus LX is lower than the overall average for all cars. However, the exact amount you’ll pay depends on multiple factors, including your age, driving history, location, and the model year of your vehicle. Additionally, your chosen coverage level and deductible amount will also influence your premium. Shopping around and comparing quotes from different insurers is the best way to find the most affordable rate for your specific profile.
Cheapest Car Insurance Companies For A Lexus LX
If you’re looking to purchase a new car insurance policy for your Lexus LX, you may be interested in finding the most affordable provider. Hugo offers the lowest average rate at $38 per month, making them the cheapest option for Lexus LX drivers. However, insurance rates vary based on individual factors such as driving history, location, and coverage choices. To ensure you get the best deal for your specific profile, it’s always a good idea to compare quotes from multiple providers.
| Company | Average Monthly Rate |
| Amica | $49 |
| Mercury | $64 |
| Hugo | $38 |
| Esurance | $102 |
| MetLife | $48 |
Common Lexus LX Insurance Discounts
Car insurance discounts can significantly reduce your premium costs. Many providers offer a variety of discounts, and here are some common ones you may qualify for:
- Multi-policy discount: Bundling your home and auto insurance with the same provider can lead to lower rates.
- Annual payment discount: Paying your premium in full rather than in monthly installments may result in savings.
- Defensive driving discount: Completing a certified defensive driving course can make you eligible for reduced rates.
Additional discounts may be available, so it’s best to consult with your insurance agent to explore all potential savings options.
Ways To Save On Lexus LX Insurance Costs
Keeping a clean driving record is one of the most effective ways to reduce your Lexus LX insurance costs. Speeding tickets and accidents can significantly increase your premiums. Lexus LX drivers with a ticket on their record typically pay around $128 per month, while those with multiple accidents see an average rate of $142 per month. Lower annual mileage can also lead to savings on insurance. Drivers covering 2,501-5,000 miles per year pay about $83 per month, whereas those exceeding 10,000 miles per year pay an average of $91 per month. By maintaining a safe driving history and limiting mileage, you can keep your insurance rates more affordable.
Compare Lexus LX To Other Lexus Models
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used for these calculations was based on a 40-year-old male driver purchasing full-coverage insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, actual insurance rates can vary depending on individual factors such as age, driving history, location, and vehicle model.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Lexus LX?
Yes, you must provide proof of insurance before driving your Lexus LX off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance company about your upcoming car purchase, rather than opting for coverage through the dealership. This ensures you have the best rate and coverage suited to your needs.
How Can You Get The Cheapest Insurance For Your Lexus LX?
To find the best and cheapest rates for your Lexus LX, it’s crucial to shop around and compare quotes from various auto insurance companies. Thankfully, Insuranceopedia makes this easy by allowing you to compare multiple providers directly on our website, helping you find the best deal tailored to your needs.
