Lexus car insurance rates

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

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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.

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.

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:

Frequently asked questions about Lexus

*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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