Estimates, not quotes

Lexus IS vs Genesis G80 Insurance Cost

The Genesis G80 is cheaper to insure by about $100 a year for full coverage by our estimate ($1,835 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 ISGenesis G80Difference
State minimum$560$550+$10
Standard (100/300/100)$815$800+$15
Full coverage$1,835$1,735+$100

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

Why one costs more to insure

FactorLexus ISGenesis G80
SegmentLuxury carLuxury car
PowertrainsGasolineGasoline, Electric
HLDI collision (100 = avg)158131
HLDI comprehensive150138
HLDI property damage liability8186
HLDI bodily injury liability97—
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)03

Collision losses are the biggest swing factor: the Lexus IS has 27 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Genesis G80.

IS vs G80 insurance by state

StateISG80Difference
Alabama$1,645$1,550+$95
Alaska$1,620$1,525+$95
Arizona$1,910$1,810+$100
Arkansas$1,695$1,595+$100
California$1,840$1,725+$115
Colorado$2,120$2,020+$100
Connecticut$1,900$1,795+$105
Delaware$1,945$1,850+$95
District of Columbia$2,335$2,200+$135
Florida$2,445$2,335+$110
Georgia$2,175$2,070+$105
Hawaii$1,295$1,215+$80
Idaho$1,260$1,190+$70
Illinois$1,620$1,525+$95
Indiana$1,330$1,255+$75
Iowa$1,325$1,255+$70
Kansas$1,540$1,460+$80
Kentucky$1,535$1,455+$80
Louisiana$2,510$2,385+$125
Maine$1,200$1,130+$70
Maryland$2,030$1,920+$110
Massachusetts$1,810$1,705+$105
Michigan$2,020$1,905+$115
Minnesota$1,580$1,500+$80
Mississippi$1,800$1,705+$95
Missouri$1,700$1,615+$85
Montana$1,545$1,465+$80
Nebraska$1,545$1,465+$80
Nevada$1,970$1,875+$95
New Hampshire$1,335$1,255+$80
New Jersey$2,105$2,000+$105
New Mexico$1,670$1,580+$90
New York$2,370$2,250+$120
North Carolina$1,440$1,350+$90
North Dakota$1,275$1,205+$70
Ohio$1,340$1,265+$75
Oklahoma$1,720$1,630+$90
Oregon$1,585$1,505+$80
Pennsylvania$1,655$1,560+$95
Rhode Island$2,145$2,035+$110
South Carolina$1,895$1,805+$90
South Dakota$1,535$1,460+$75
Tennessee$1,570$1,480+$90
Texas$2,225$2,110+$115
Utah$1,610$1,525+$85
Vermont$1,260$1,185+$75
Virginia$1,580$1,495+$85
Washington$1,550$1,470+$80
West Virginia$1,595$1,510+$85
Wisconsin$1,295$1,225+$70
Wyoming$1,565$1,485+$80

By driver profile (full coverage)

DriverISG80
Teen driver (18, own policy)$5,045$4,775
Young adult (22)$2,935$2,775
Adult in their 30s$1,835$1,735
Adult in their 50s$1,685$1,595
Senior (72)$2,055$1,945
30s, one at-fault accident$2,660$2,515
30s, DUI on record$3,395$3,210

More comparisons

Frequently asked questions

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

By our estimate the Genesis G80 is cheaper, by about $100 a year for full coverage ($1,835 vs. $1,735) for a driver in their 30s with a clean record.

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

Mostly because of insurance-loss history: HLDI collision indices of 158 vs. 131 and comprehensive indices of 150 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