Lexus ES Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Lexus ES than the average car.
• Full coverage for an ES typically comes in at about $165 a month, while liability only auto insurance prices run around $80 per month.
• The most affordable car insurance company for an ES is FirstChicago, who offers liability only coverage for as little as just $40 monthly, on average.

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ES Overview

With base prices starting at just $39,248 for 2022 models, the Lexus ES is a great car for all budgets. With five different trim levels currently available, you'll be sure to find an option to fit your style.

We combed through thousands of insurance quotes on Compare.com, and we've determined that average Lexus ES auto insurance premiums run about $195 per month. How do insurance rates for the ES compare to prices of other similar cars?

How Much is Car Insurance for a Lexus ES?

Looking at the table above, you'll find that auto insurance rates for a Lexus ES are around average compared to other vehicles on the road. ES owners can expect to pay about $80 a month for liability insurance, and around $165 per month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").

When you compare it to other models, the ES is matches the other vehicle types offered by Lexus. However, coverage for the ES is below average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive premiums than other cars.

Compared to all vehicles, regardless of make, model, or body style, car insurance prices for both full coverage and liability only policies run less expensive than average.

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Who has the Cheapest Car Insurance for a Lexus ES?

If you're browsing for a car insurance policy for a Lexus ES, you may be wondering which carrier offers the lowest prices. Even though there will never be one company that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $35 a month from Mile Auto. The runner up for cheapest rates is FirstChicago, with insurance policies starting as cheap as just $40 monthly.

Completing the top 5 carriers are Hugo, Commonwealth Casualty, and Safeco. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lexus ES.

Insurance carriers take a wide array of different variables into consideration when calculating monthly rates. The only way to guarantee you find the most affordable rates is to compare quotes from a whole bunch of auto insurance companies.

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What Factors Affect Car Insurance Rates for a Lexus ES?

There are many variables that car insurance carriers take into account to decide how much they charge for insurance -- and each carrier uses a different algorithm, so there's not a single company that's the lowest for every ES driver.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Lexus has been making the ES for quite some time, so the car's age may make a big difference in how much you'll pay for auto insurance. Typically, newer cars are going to cost more to insure because they're worth more, however, as time goes on and ESs begin to depreciate, insurance costs will gradually get lower.

According to the table above, the Lexus ES is in line with this trend, as the most expensive models to insure are those that are 4 to 5 years old, while on average, the cheapest models are ESs that are 6 to 7 years old.

Your Age

Your age is another factor that plays a significant role in how much car insurance companies will charge for a policy. As you can see above, teenage drivers pay less for insurance than those who have more experience on the road.

Auto insurance prices continue to decrease as you get older, with the cheapest age group being 55-64 for ES drivers.

Your Gender

Women usually to pay less for auto insurance than men. This is because women are less likely to get speeding tickets and get into collisions, which decreases the chances of an insurance claim. The Lexus ES is no different, and women pay about $75 a month for car insurance and men pay around $85.

Where You Live

You might already know that factors like what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live is equally important? Since auto insurance is regulated at the state level, rates can fluctuate quite a bit depending on where you live.

For example, the average Lexus ES owner in New York pays about $207 monthly for liability coverage. Meanwhile, the same Californian driver will pay less than half of that price, on average. The chart above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change from state to state.

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Lexus ES Car Insurance Discounts

Regardless of which vehicle you drive, what state you live in, or how old you are, using as many discounts as possible when it comes to your car insurance is always in your best interest when shopping around for a new policy.

Even though all auto insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

• Pay-in-full discounts for agreeing to pay your entire policy price at once, rather than in monthly installments
• Multi-policy discounts for bundling your home and auto policies with the same carrier
• Multi-vehicle discounts for having several cars on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution

These are just a few of the discounts out there.

Although you may not be able to control every variable insurance carriers take a look at to calculate rates (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the variables you can use to your favor when it comes to cost savings:

Your Driving Record

You've most likely observed ads from car insurance companies posting hefty savings for responsible drivers. It should be no surprise that if you get cited for speeding or get into an accident, insurance prices will go up. But how much will they cost you?

Looking at the table above, you'll see that accidents will usually cost ES drivers more than tickets, but both will cause a significant increase in rates. Lexus ES drivers with a single ticket will pay an average of $96 a month, while drivers with one accident on their record pay about $101 a month (up $21 from the $80/mo. overall average). Drivers with more than one of either violation will end up paying even more.

How Much You Drive

Another factor you have control over is the total distance you drive annually. Those who are on the roads less have fewer opportunities to get into an accident, so they'll normally get lower rates. Above, you can see that Lexus ES owners who drive fewer than 2,500 miles per year pay an average of $69 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $80.

If you work from home or drive less often than the average driver, it may be worth considering usage-based or pay-per-mile car insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Lexus ESs Compare to Other Vehicles?

If you're thinking about buying a new car and a Lexus ES is on your shortlist, you might want to know how it compares to other cars. Car insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth considering.

Check out the table below to see how the Lexus ES compares:

As you can see, the Lexus ES is right on par with the average vehicle price here in the U.S. The ES comes in at $40,800, similar to the national average vehicle MSRP of $46,192.

Liability insurance for a Lexus ES is, while full coverage is over $50 more monthly.

When it comes to usage, Lexus ES owners drive about the same amount annually as the national average, with 11,349 miles each year compared to 11,617 for all vehicles.

Lexus ES Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on what you'll pay for insurance. But if you're thinking about buying a new vehicle and the ES is one you're considering, having a good idea of how much you'll likely pay can be helpful as you consider your choices.

Choose Your Model

2021 Lexus ES Car Insurance 2020 Lexus ES Car Insurance 2019 Lexus ES Car Insurance 2018 Lexus ES Car Insurance 2017 Lexus ES Car Insurance 2016 Lexus ES Car Insurance 2015 Lexus ES Car Insurance 2014 Lexus ES Car Insurance 2013 Lexus ES Car Insurance 2012 Lexus ES Car Insurance 2011 Lexus ES Car Insurance 2010 Lexus ES Car Insurance

2021 Lexus ES Car Insurance

On average, drivers who own a 2021 Lexus ES can expect to pay $75 to $223 a month for liability only and full coverage auto insurance, respectively.

Looking for the most affordable policy? Mercury offered liability only coverage for as little as $21 per month.

If you want to find the best prices for insurance for a 2021 Lexus ES, enter your ZIP code below and compare a wide array of personalized quotes in just a few minutes.

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2020 Lexus ES Car Insurance

It costs around $63 monthly for liability or $195 for a full coverage policy for the 2020 ES.

With rates sometimes as low as $25 a month, Clearcover offered the lowest policy we found for the 2020 Lexus ES.

If you want to know exactly how much you can expect to pay for your ES, just enter your ZIP code below and get free quotes in minutes.

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2019 Lexus ES Car Insurance

You can expect full coverage for a 2019 Lexus ES to run about $232 per month, while liability only coverage will average around $99 monthly.

Hugo has premiums sometimes as cheap as $23 a month for the 2019 Lexus ES.

Want to find the best rates? Get multiple personalized quotes for free by just entering your ZIP code below.

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2018 Lexus ES Car Insurance

The average cost to insure a 2018 ES with liability only coverage is $61 per month, while full coverage runs about $164 monthly.

If you're looking for the most affordable 2018 Lexus ES insurance policy, Infinity offered the cheapest policy we found, with rates sometimes as little as $28 a month.

While these are good estimates of what the average driver might pay to insure a 2018 Lexus ES, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2017 Lexus ES Car Insurance

2017 Lexus ES drivers can expect to pay an average of $187 per month for liability or $257 for full coverage.

We found MetLife offered the lowest policy, with rates as cheap as $30 a month.

Want something more accurate than nationwide averages? Get several free personalized quotes by just entering your ZIP code below.

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2016 Lexus ES Car Insurance

It costs around $101 monthly for liability or $192 for a full coverage policy for the 2016 ES.

With rates as low as just $26 per month, Safeco offered the most affordable policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2015 Lexus ES Car Insurance

The average cost to insure a 2015 Lexus ES with liability only coverage is $80 monthly, while full coverage runs about $171 a month.

Clearcover offered the cheapest policy we found, with rates as low as $19 per month.

What will your auto insurance premium be? Just enter your ZIP code below to get lots of personalized quotes for free.

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2014 Lexus ES Car Insurance

You can expect full coverage for a 2014 ES to run around $166 monthly, while liability only coverage will average about $66 per month.

With premiums sometimes as little as $18 a month, StateAuto offered the most affordable policy we found for the 2014 Lexus ES.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2013 Lexus ES Car Insurance

2013 Lexus ES drivers can expect to pay an average of $74 monthly for liability or $171 for full coverage.

With prices as little as just $26 a month, Elephant offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2012 Lexus ES Car Insurance

On average, drivers who own a 2012 ES can expect to pay $71 to $159 per month for liability only and full coverage car insurance, respectively.

We found StateAuto offered the cheapest policy, with rates as low as just $22 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2011 Lexus ES Car Insurance

It costs around $79 per month for liability or $156 for a full coverage policy for the 2011 Lexus ES.

Looking for the most affordable policy? MetLife offered liability only coverage for sometimes as cheap as $23 a month.

If you're looking for a more exact figure on what you should pay for insurance for a 2011 Lexus ES, you can get free quotes in minutes by just entering your ZIP code below.

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2010 Lexus ES Car Insurance

You can expect full coverage for a 2010 ES to run about $169 per month, while liability only coverage will average around $82 monthly.

If you're looking for the lowest possible 2010 Lexus ES insurance policy, Elephant offered the cheapest policy we found, with rates sometimes as low as $20 a month.

Want to know exactly what your car insurance price will be? Get a variety of free customized quotes by just entering your ZIP code below.

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Lexus ES Insurance FAQs

Is a Lexus ES expensive to insure?

Compared to the national average of all cars, rates come in on the more affordable end of the spectrum. Liability insurance runs an average of $80 monthly, while full coverage will cost you around $165.

How can I get the best price on car insurance for my Lexus ES?

There's only one way to confirm you're getting the lowest rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole range of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Lexus ES affect my insurance prices?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's simply not true. There are several things auto insurance companies consider when they offer rates, but the color of your ES isn't one of them.

Do I need to have insurance before I buy a Lexus ES?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships might offer you an insurance policy, but your best bet is letting your insurance company know before you buy.

What car insurance discounts can I get for my Lexus ES?

There are tons of discounts out there when it comes to auto insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the Lexus ES you drive, but if your ES has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. To learn more about which discounts you may qualify for, talk with your insurance agent and ask about their list of discounts, since they change quite a bit from carrier to carrier.