Lexus is Toyota’s luxury car brand and is now Japan’s largest-selling manufacturer of premium cars. It also has a range of popular hybrid vehicles.
Find out how Lexus insurance works and how to save below.
Where to find Lexus insurance
You can get insurance for your Lexus from most providers, and Lexus UK also offer insurance. Depending on the type of Lexus you have, you may be limited to certain types of cover or policy.
The average cost of insurance for popular Lexus models can vary from £650 for a Lexus CT 200H, up to £1,300 or more for a Lexus IS 200D.
However, the cost of your Lexus insurance will 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.
To determine our example insurance cost, we aggregated quotes from insurance companies using this profile:
2018 Lexus NX Hybrid 300H
The driver is a 30-year-old teacher
The driver is single and owns a home in Greater London
Automatic transmission
Hybrid
An average of 10,000 mileage per year
Factory fitted Thatcham-approved alarm system
The car is used for social, domestic and commuting purposes
The car is not modified
The car is parked in a car park during the day
The car is parked on a driveway at night
Five years’ no-claims discount
No driving or other convictions for the past 5 years
To determine our example insurance cost, we aggregated quotes from insurance companies using this profile:
2018 Lexus LC
The driver is a 30-year-old teacher
The driver is single and owns a home in Greater London
Automatic transmission
Petrol
An average of 10,000 mileage per year
Factory fitted Thatcham-approved alarm system
The car is used for social, domestic and commuting purposes
The car is not modified
The car is parked in a car park during the day
The car is parked on a driveway at night
Five years’ no-claims discount
No driving or other convictions for the past 5 years
What insurance group is a Lexus?
This depends on the model and year of your Lexus. The following models generally fall into the following insurance groups:
Lexus IS: Insurance groups 28-38 Lexus CT 200H: Insurance groups 17-21 Lexus ES: Insurance groups 33 – 38 Lexus LC: Insurance groups 47 – 50 Lexus NX: Insurance groups 27 – 38
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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 calculating the cost of your premiums.
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 can start at more than £75,000.
Pros and cons of insuring a Lexus
Pros
Excellent safety ratings
Not often targeted by thieves
Cons
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.
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:
Lexus vehicles are mainly made in Japan although there are plants in the US and in Canada.
Lexus gets the top five-star rating from the European New Car Assessment Programme (Euro NCAP) for several of its models, including the CT200H, IS, NX and RX.
A car’s safety record, the cost to repair and maintain the car and the car’s likelihood of being stolen can all affect the cost of car insurance.
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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio
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