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Lexus insurance rates

Compare car insurance for Lexus

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Lexus LC

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Average insurance cost for a Lexus

The average insurance cost of a Lexus is $176 a month, or $2,114 a year. This is a lower insurance price compared to that of Lexus’ luxury-segment competitors BMW ($2,234 average yearly insurance cost) and Mercedes-Benz ($2,499 average yearly insurance cost).

Manufactured under the Toyota umbrella, Lexus cars typically score highly in crash safety tests. They’re also stolen relatively infrequently. Both factors contribute to lower insurance costs.

Find your Lexus model

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Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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How a vehicle from Lexus affects insurance costs

Insurance companies look at a car’s safety ratings, its likelihood of being stolen and how costly it is to replace or repair, among other factors, when determining the cost of insurance.

Lexus vehicles’ good safety ratings and the fact that they aren’t commonly target by thieves help to bring down the cost of insurance. However, because a Lexus is considered a luxury car and has a higher price tag, your premium will be higher than with a lower-priced vehicle.

You should have little trouble getting insurance for your Lexus unless you have an IS-F model or SC model, which are performance models. Compare insurance providers below to find the best price.

Lexus car insurance rates by model

Model Monthly insurance rate Base car price
CT $171.00 $31,250
ES $167.00 $38,900
GS $220.00 $46,310
GS F $220.00 $83,940
GX $161.00 $51,680
IS $162.00 $37,825
LS $155.00 $72,520
LX $161.00 $89,880
NX $167.00 $35,285
RC $220.00 $40,155
RC F $156.00 $64,165
RX $154.00 $43,120

Pros and cons of insuring a Lexus

Pros

  • Great safety ratings
  • Not often targeted by thieves

Cons

  • Costly to repair and replace

About the Lexus brand

When an affordable-car manufacturer wants to enter the luxury segment, creating a new brand seems in order. Nissan created Infiniti. For Toyota, the result was Lexus.

Lexus cars have developed reputations as stylish yet reliable rides — though they’re sometimes outshone by assertively designed BMWs, Land Rovers and Mercedes-Benzes. For its part, Lexus seems to have a good read on consumer tastes, maintaining its spot as Japan’s bestselling luxury brand and taking 2016’s number-two spot for top luxury sellers in the United States.

Are there any standout Lexus models?

Lexus touts the LC Hybrid as “a profound shift in hybrid performance.” Although the LC Hybrid is a certified super ultra-low emission vehicle, it can still perform, with an aerodynamic drag coefficient of 0.33, a top track speed of 155 mph and an acceleration of 0-60 mph in 4.7 seconds. Car and Driver even raves that it is “an engaging flagship coupe that engrosses all the senses.”

Prices start at $96,510 for a new Lexus LC.

What is Enform?

Enform is Lexus’ suite of technology apps and connected services. With Enform drivers can start their car remotely, get navigation assistance and connect to emergency services.

After the complementary trial period, Enform is available as a paid subscription. Not all Lexus models are equipped with Enform capabilities.

Lexus car facts

  • Like vehicles from its parent company Toyota, Lexus cars are known for their reliability.
  • You’ll find Lexus models along a spectrum of prices, from the CT ($31,250 MSRP) to the LX ($89,880 MSRP).
  • Lexus’ newer models tend to garner stellar safety scores from the Insurance Institute for Highway Safety (IIHS). This lowers insurance premiums overall.
  • You may want more than minimum liability coverage for your Lexus, expanding your protection through comprehensive coverage.

Compare Lexus competitors

Need help considering some other car manufacturers?

Compare all car makes

Bottom line

The cost to insure a Lexus will depend on many factors, both personal and car-related, so be shop around to find the best car insurance for you.

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