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Lexus car insurance rates

What to expect when insuring a Lexus – plus the insurers that could cover you.

Lexus has been Toyota’s answer to luxury since 1989 and is now Japan’s largest-selling make of premium cars. Lexus does quality and safety well in its range. But the brand also boasts eco credentials – most Lexus models are available in a hybrid version and it’s these hybrids that are the best-sellers. If you’ve taken a shine to a Lexus, read on to see how much it might cost to insure one.

Compare Lexus car insurance quotes

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What’s the average insurance cost for a Lexus?

The insurance cost for a Lexus varies greatly depending on the model you select and your own circumstances. Using a specific profile, we ran quotes to find the average insurance cost of a Lexus NX, one of the more popular hybrid models in the UK, in addition to the Lexus LC, a petrol coupe.

The average cost of insuring a Lexus NX was £1,237 a year or £144 a month, using our scenario, while the average cost of insuring a Lexus LC 500 was £1,846 a year or £187 a month.

These quotes are for fully comprehensive cover and no optional extras. Your actual cost could be more or less depending on the model you choose, your age, driving record and location, as well as the number of miles you drive in a year and other factors.

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

Companies that offer cover for Lexus vehicles

You should have little trouble getting insurance for your Lexus. Compare insurance providers below to find the best price.

Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 90 days
Up to £5,000 personal accident cover or up to £7,500 for AA members.
New customers get AA Roadside Assistance for a year from just £15, plus discounts on breakdown cover upgrades.
Up to 90 days
Up to £5,000 personal injury cover
Insure more than one vehicle under the one policy. Every car added will earn its own discount.
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Quotes starting from £248 per year. No claims & MultiCar discounts on offer.
Up to 180 days
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit
Up to 90 days
Cover you or your partner up to the benefit amount outlined in your insurance agreement
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy
Black box insurance, Young driver insurance
  • Replacement, upgrade or the money in case of write off
  • No-claims discount protected if car is vandalised or hit by an uninsured driver
  • (terms apply)
Up to 90 days
Young driver insurance
You or your partner are covered up to the amount in your insurance agreement.
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy (T&Cs apply)
Black box insurance
  • Guaranteed hire car as standard
  • Taxi to get you to your destination if you've been involved in a crash (T&Cs apply)
  • No-claims discount protection (Terms apply)
Up to 90 days
£5,000 of personal injury cover for you and your spouse
Young and first time drivers insurance
Up to 90 days
You or your partner are covered up to £2,000 per person.
Short term car insurance, Young driver insurance
20% off MOT costs and 10% off servicing with comprehensive and third party policies.
Up to 90 days
Optional extra
If you've got more than one car to insure at the same address, you could save 10% on your cover
Multi-car, temporary insurance
Personal accident cover up to £5000.
Learner driver insurance, Young driver insurance, New driver insurance, Student insurance, First time drivers insurance
Up to £200 cover if handbag is stolen child seat cover.
Cover up to £10,000 per accidentand £2,500 per person.
Learner driver insurance
Insurance for young and learner drivers ages 17 to 25. Discounts up to 21% for good driving.
Up to 90 days
Get up to £10,000 cover per accident.
M&S Bank cardholder's save up to 15% when taking out a new policy or renewing existing insurance.
Up to 93 days with a foreign use extension
Up to 15% off certain additional car insurance policies
Young driver insurance
Up to 60 days
Cover for passenger injury.
Free breakdown cover for eligible new customers and 3 year guarantee on repairs carried out by approved repairers.
Up to 90 days
Optional extra
Get 10% off when you insure additional cars in your household
Multi-car, temporary insurance

Compare up to 4 providers

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

Are there any standout 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.

Prices start at more than £75,000.

Pros and cons of insuring a Lexus


  • Excellent safety ratings
  • Not often targeted by thieves


  • Higher price tag
  • Costly to repair and replace

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, which starts at around £24,000 up to the LC starting at around £77,000.
  • Lexus models tend to garner stellar safety scores from the the European New Car Assessment Programme (Euro NCAP). This is likely to lower insurance premiums overall.
  • You may want more than third party cover for your Lexus, expanding your protection to either third party fire and theft or comprehensive cover.

Bottom line

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

Other car brands you might want to see rates for include:

Compare Lexus car insurance quotes

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