Lexus ES vs Polestar 2 Insurance Cost
The Polestar 2 is cheaper to insure by about $145 a year for full coverage by our estimate ($1,590 vs. $1,445), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Lexus ES | Polestar 2 | Difference |
|---|---|---|---|
| State minimum | $545 | $490 | +$55 |
| Standard (100/300/100) | $790 | $710 | +$80 |
| Full coverage | $1,590 | $1,445 | +$145 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = ES minus 2.
Why one costs more to insure
| Factor | Lexus ES | Polestar 2 |
|---|---|---|
| Segment | Luxury car | Luxury car |
| Powertrains | Gasoline, Hybrid, Electric | Electric |
| HLDI collision (100 = avg) | 121 | 119 |
| HLDI comprehensive | 108 | 90 |
| HLDI property damage liability | 78 | 80 |
| HLDI bodily injury liability | 92 | 60 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 2 | 6 |
Collision losses are the biggest swing factor: the Lexus ES has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Polestar 2.
ES vs 2 insurance by state
By driver profile (full coverage)
| Driver | ES | 2 |
|---|---|---|
| Teen driver (18, own policy) | $4,380 | $3,980 |
| Young adult (22) | $2,550 | $2,315 |
| Adult in their 30s | $1,590 | $1,445 |
| Adult in their 50s | $1,465 | $1,330 |
| Senior (72) | $1,785 | $1,620 |
| 30s, one at-fault accident | $2,310 | $2,100 |
| 30s, DUI on record | $2,945 | $2,675 |
More comparisons
Frequently asked questions
Is the Lexus ES or the Polestar 2 cheaper to insure?
By our estimate the Polestar 2 is cheaper, by about $145 a year for full coverage ($1,590 vs. $1,445) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Lexus ES and Polestar 2?
Mostly because of insurance-loss history: HLDI collision indices of 121 vs. 119 and comprehensive indices of 108 vs. 90 (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.