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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Lexus owners can expect to pay around $161 per month for car insurance, which is slightly higher than the national average of $150 per month. Luxury brands like Lexus often cost more to insure due to several factors, including advanced technology features, performance, and costly repairs.1 But you can still find ways to save money on auto insurance.
When shopping around for Lexus car insurance, always compare quotes, look for opportunities to bundle policies, and check for available discounts. Let’s explore Lexus insurance costs, the cheapest insurers, and ways to save on your coverage.
Lexus drivers pay an average monthly rate of $114 for liability coverage and $208 for full-coverage car insurance.
Travelers is the cheapest option for Lexus drivers, with an average monthly premium of $89.
USAA, Erie, and Travelers offer the cheapest average rates for Lexus insurance.
The table below shows what Lexus drivers can expect to pay for liability and full-coverage car insurance, according to Compare.com data. It also shows how these rates stack up against the national averages for all vehicle makes. This breakdown can help you estimate what you’ll pay depending on the type of coverage you choose.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Lexus | $114 | $208 | $161 |
| All makes | $108 | $198 | $150 |
Lexus drivers pay more than the national average for both liability and full coverage. Overall, Lexus insurance costs about $11 more per month than the national average for all vehicles.
Now, let’s look at average rates by Lexus model.
Comparing quotes can save you up to $867.†
The Lexus model you drive can significantly affect your insurance rate, as factors like repair costs, safety features, and theft rates all play a role. For instance, sportier models or cars with higher manufacturer’s suggested retail prices (MSRPs) often come with more costly premiums, while sedans and hybrids may be cheaper to insure.[1]
Your coverage choices also make a big difference. For instance, basic liability policies cover injuries and property damage you cause to others. Full coverage includes liability, collision, and comprehensive coverage, so it provides better financial protection but at a higher price point.
Check out the table below to see the average rates for different Lexus models, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| ES | $113 | $206 |
| GS | $124 | $225 |
| GX | $101 | $184 |
| IS | $129 | $235 |
| LS | $118 | $215 |
| LX | $100 | $183 |
| NX | $119 | $216 |
| RC | $141 | $256 |
| RX | $97 | $177 |
| UX | $122 | $222 |
| All Lexus models | $114 | $208 |
Our data shows that the Lexus RX is the cheapest model to insure, with an average full-coverage rate of $177 per month. Meanwhile, the Lexus RC is the most expensive, at around $256 per month. Let’s look at which insurance companies tend to offer the lowest rates for Lexus owners.
Even though Lexus insurance rates tend to be slightly higher than average, you still have ways to save — especially if you compare quotes from multiple insurers. The table below shows the companies offering the lowest average rates for Lexus drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Travelers | $89 |
| Safeco | $109 |
| Root | $121 |
| Mercury | $123 |
| Progressive | $132 |
Travelers is the cheapest option overall, with an average monthly premium of $89. Keep in mind that the rates above are only averages, and these companies may not be your cheapest option. That’s why it’s crucial to shop around and compare quotes from several companies, since different insurers cater to different types of drivers.
Let’s take a look at some of the best companies for Lexus drivers like you.
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When it comes to auto insurance, no single best insurer will work for every Lexus owner. But we’ve narrowed down the search to get you closer to the best fit for you. We chose the companies below based on a variety of factors, including the average rates for a Lexus, available discounts, customer reviews, and coverage options.
Here are our three top picks for different driver demographics.
Compare.com Rating: 4.81 out of 5
Highly rated for customer satisfaction[2]
Exclusive member discounts
Low average rates
Only available to military members and their families
Limited agent access in some areas
Gap coverage not available
USAA is consistently ranked as one of the best car insurance options thanks to its affordable premiums and excellent customer service. Active-duty military members can take advantage of a 15% discount for storing their vehicle on base. You can also save by bundling multiple policies together, like auto, home, and life insurance.
Compare.com Rating: 4.75 out of 5
Competitive car insurance rates
Unique coverage options
Good customer satisfaction rates
Not available nationwide
Fewer discounts than some competitors
Must purchase a policy through an agent
Erie is a good choice for anyone looking for comprehensive protection after an accident. The company offers all the standard coverage options you’d expect to see but also offers many unique policy add-ons.
For example, you can purchase locksmith coverage, personal item coverage, rental car reimbursement, and a roadside assistance bundle. And if you sign up for Erie Auto Plus, you’ll get a diminishing deductible, a $10,000 death benefit, and increased limits on certain coverages.
Compare.com Rating: 4.23 out of 5
Superior AM Best rating[3]
Affordable average rates
Many coverages available
Poor Trustpilot rating[4]
Telematics program can increase premiums
Discounts and coverages vary by state
Travelers is one of the most affordable options for Lexus owners. The company offers a wide range of discounts, including safe driver, hybrid vehicle, and new car discounts. Plus, Travelers offers a wide range of flexible coverage options.
Keep in mind that while Travelers’ telematics program, Intellidrive, can result in lower premiums, poor driving habits can lead to premium increases.
Compare personalized quotes from dozens of top companies in minutes.
Your location plays a big role in how much it costs to insure your Lexus. State laws, population density, local repair costs, and the frequency of accidents all influence your premium.
The map below shows how Lexus insurance rates vary across the U.S., and how your state average compares to the national average, according to our research.
State | Average Monthly Premium |
|---|---|
| Alabama | $106 |
| Arizona | $142 |
| Arkansas | $203 |
| California | $204 |
| Colorado | $166 |
| Connecticut | $323 |
| Delaware | $197 |
| Florida | $207 |
| Georgia | $210 |
| Idaho | $107 |
| Illinois | $132 |
| Indiana | $114 |
| Iowa | $96 |
| Kansas | $130 |
| Kentucky | $207 |
| Louisiana | $191 |
| Maine | $126 |
| Maryland | $292 |
| Massachusetts | $160 |
| Michigan | $249 |
| Minnesota | $160 |
| Mississippi | $160 |
| Missouri | $155 |
| Montana | $129 |
| Nebraska | $149 |
| Nevada | $253 |
| New Hampshire | $97 |
| New Jersey | $168 |
| New Mexico | $123 |
| New York | $408 |
| North Carolina | $79 |
| North Dakota | $123 |
| Ohio | $108 |
| Oklahoma | $137 |
| Oregon | $136 |
| Pennsylvania | $139 |
| Rhode Island | $122 |
| South Carolina | $233 |
| South Dakota | $103 |
| Tennessee | $119 |
| Texas | $188 |
| Utah | $154 |
| Vermont | $115 |
| Virginia | $153 |
| Washington | $118 |
| District of Columbia | $241 |
| West Virginia | $123 |
| Wisconsin | $108 |
| Wyoming | $103 |
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While finding an affordable premium is important, Lexus drivers should also focus on getting coverage that protects their vehicle’s value. Lexus models have luxury features and amenities, so skimping on protection could cost more in the long run.
Here’s how to choose the right coverage:
Evaluate your car’s value. Drivers with newer or high-end Lexus vehicles should consider full coverage due to high repair and replacement costs.
Consider your average mileage. Consider how often and where you drive. For instance, frequent commuters may need more protection than someone who rarely uses their Lexus.
Know the difference in policy types. Basic liability only covers damages you cause to others. Full coverage adds collision and comprehensive protection, so it also covers damage to your vehicle.
Choose the right deductible amount. Your deductible is how you share risk with your insurer, and it can affect how much you pay for car insurance each month.
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Lexus vehicles can cost more to insure due to their luxury status, but you have ways to lower your premium without sacrificing coverage. Here are five tips for finding cheaper car insurance:
Take advantage of safety discounts. Some Lexus models come with standard or advanced safety features like adaptive cruise control and an alarm system.[5] Ask your insurer if these features qualify you for discounts.
Increase your deductible. Choosing a higher deductible on full-coverage policies can lower your monthly premium, but just make sure you can afford the out-of-pocket expenses in case of a claim.
Bundle your policies. Insuring your Lexus with the same company that handles your home or renters insurance can help you qualify for a multi-policy discount.
Limit mileage where possible. If you drive a Lexus primarily on the weekends or short commutes, you may qualify for low-mileage discounts.
Shop around and compare quotes. Rates can vary significantly between insurers. Comparing quotes from several insurers will help you find the best deal for your Lexus.
Compare personalized quotes and find the best insurer for your Lexus.
Below are answers to some of the most common questions about insuring a Lexus, including the average costs and which models are most affordable.
On average, it costs about $161 per month to insure a Lexus, according to our data. You’ll pay an average of $114 per month for liability insurance and $208 for full-coverage car insurance.
Yes. Lexus vehicles tend to be slightly more expensive to insure than the average car. The brand’s higher insurance costs are partly due to its luxury features and amenities, but the vehicle’s high safety ratings can help you qualify for a discount.[6]
Our data shows that the Lexus RX is the cheapest Lexus model to insure, with an average monthly rate of $97 for liability coverage and $177 per month for full coverage.
Drivers of a Lexus IS 350 pay an average rate of $129 per month for liability coverage and $235 for full coverage. But your exact rate will depend on your location, insurance history, credit history, and coverage limits.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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