Estimates, not quotes

Lexus ES vs Genesis G80 Insurance Cost

The Lexus ES is cheaper to insure by about $145 a year for full coverage by our estimate ($1,590 vs. $1,735), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageLexus ESGenesis G80Difference
State minimum$545$550−$5
Standard (100/300/100)$790$800−$10
Full coverage$1,590$1,735−$145

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = ES minus G80.

Why one costs more to insure

FactorLexus ESGenesis G80
SegmentLuxury carLuxury car
PowertrainsGasoline, Hybrid, ElectricGasoline, Electric
HLDI collision (100 = avg)121131
HLDI comprehensive108138
HLDI property damage liability7886
HLDI bodily injury liability92—
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)23

Collision losses are the biggest swing factor: the Genesis G80 has 10 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Lexus ES.

ES vs G80 insurance by state

StateESG80Difference
Alabama$1,410$1,550−$140
Alaska$1,405$1,525−$120
Arizona$1,660$1,810−$150
Arkansas$1,440$1,595−$155
California$1,585$1,725−$140
Colorado$1,815$2,020−$205
Connecticut$1,670$1,795−$125
Delaware$1,730$1,850−$120
District of Columbia$2,020$2,200−$180
Florida$2,190$2,335−$145
Georgia$1,925$2,070−$145
Hawaii$1,115$1,215−$100
Idaho$1,085$1,190−$105
Illinois$1,395$1,525−$130
Indiana$1,145$1,255−$110
Iowa$1,115$1,255−$140
Kansas$1,300$1,460−$160
Kentucky$1,335$1,455−$120
Louisiana$2,190$2,385−$195
Maine$1,030$1,130−$100
Maryland$1,775$1,920−$145
Massachusetts$1,570$1,705−$135
Michigan$1,750$1,905−$155
Minnesota$1,350$1,500−$150
Mississippi$1,540$1,705−$165
Missouri$1,460$1,615−$155
Montana$1,305$1,465−$160
Nebraska$1,305$1,465−$160
Nevada$1,765$1,875−$110
New Hampshire$1,150$1,255−$105
New Jersey$1,870$2,000−$130
New Mexico$1,440$1,580−$140
New York$2,095$2,250−$155
North Carolina$1,225$1,350−$125
North Dakota$1,060$1,205−$145
Ohio$1,150$1,265−$115
Oklahoma$1,465$1,630−$165
Oregon$1,400$1,505−$105
Pennsylvania$1,415$1,560−$145
Rhode Island$1,895$2,035−$140
South Carolina$1,670$1,805−$135
South Dakota$1,270$1,460−$190
Tennessee$1,345$1,480−$135
Texas$1,905$2,110−$205
Utah$1,420$1,525−$105
Vermont$1,070$1,185−$115
Virginia$1,370$1,495−$125
Washington$1,365$1,470−$105
West Virginia$1,355$1,510−$155
Wisconsin$1,105$1,225−$120
Wyoming$1,295$1,485−$190

By driver profile (full coverage)

DriverESG80
Teen driver (18, own policy)$4,380$4,775
Young adult (22)$2,550$2,775
Adult in their 30s$1,590$1,735
Adult in their 50s$1,465$1,595
Senior (72)$1,785$1,945
30s, one at-fault accident$2,310$2,515
30s, DUI on record$2,945$3,210

More comparisons

Frequently asked questions

Is the Lexus ES or the Genesis G80 cheaper to insure?

By our estimate the Lexus ES is cheaper, by about $145 a year for full coverage ($1,590 vs. $1,735) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lexus ES and Genesis G80?

Mostly because of insurance-loss history: HLDI collision indices of 121 vs. 131 and comprehensive indices of 108 vs. 138 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page