Lexus Insurance Cost
Across 11 current Lexus models, full coverage averages about $1,605 a year by our estimate — +1% versus the average vehicle ($1,590).
Lexus insurance profile
Lexus is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 7 luxury suvs, 3 luxury cars, and 1 luxury sports car. HLDI collision losses for its models average 126 (100 = all-vehicle average).
Every Lexus model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| GX | Luxury SUV | 2005–2026 | 70 | $1,180 | −26% |
| TX | Luxury SUV | 2024–2026 | 96 | $1,400 | −12% |
| NX | Luxury SUV | 2015–2026 | 104 | $1,425 | −10% |
| RX | Luxury SUV | 2005–2026 | 111 | $1,445 | −9% |
| UX | Luxury SUV | 2019–2026 | 96 | $1,485 | −7% |
| LX | Luxury SUV | 2005–2026 | 100 | $1,530 | −4% |
| ES | Luxury car | 2005–2026 | 121 | $1,590 | 0% |
| RZ | Luxury SUV | 2023–2026 | 141 | $1,725 | +8% |
| LC | Luxury sports car | 2018–2026 | 177 | $1,820 | +14% |
| IS | Luxury car | 2005–2026 | 158 | $1,835 | +15% |
| LS | Luxury car | 2005–2026 | 214 | $2,225 | +40% |
Older and discontinued Lexus models
What makes Lexus insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- EV batteries: 2 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 11 models range from 70 to 214, so the model you pick matters as much as the brand.
- Segment mix: 7 luxury suv, 3 luxury car, 1 luxury sports car.
Average Lexus insurance cost by state
Average full-coverage estimate across current Lexus models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,074 | −33% |
| Vermont | $1,127 | −30% |
| Idaho | $1,129 | −30% |
| North Dakota | $1,143 | −29% |
| Hawaii | $1,156 | −28% |
| Wisconsin | $1,162 | −28% |
| Iowa | $1,190 | −26% |
| Indiana | $1,192 | −26% |
| New Hampshire | $1,195 | −26% |
| Ohio | $1,200 | −25% |
| North Carolina | $1,287 | −20% |
| Kentucky | $1,379 | −14% |
| South Dakota | $1,380 | −14% |
| Kansas | $1,384 | −14% |
| Nebraska | $1,387 | −14% |
| Montana | $1,390 | −13% |
| Washington | $1,393 | −13% |
| Wyoming | $1,407 | −12% |
| Tennessee | $1,409 | −12% |
| Virginia | $1,420 | −12% |
| Minnesota | $1,422 | −11% |
| Oregon | $1,425 | −11% |
| West Virginia | $1,432 | −11% |
| Utah | $1,446 | −10% |
| Illinois | $1,451 | −10% |
| Alaska | $1,452 | −10% |
| Alabama | $1,472 | −8% |
| Pennsylvania | $1,480 | −8% |
| New Mexico | $1,500 | −7% |
| Arkansas | $1,518 | −5% |
| Missouri | $1,530 | −5% |
| Oklahoma | $1,545 | −4% |
| Mississippi | $1,616 | +1% |
| Massachusetts | $1,622 | +1% |
| California | $1,642 | +2% |
| Connecticut | $1,705 | +6% |
| South Carolina | $1,706 | +6% |
| Arizona | $1,715 | +7% |
| Delaware | $1,752 | +9% |
| Nevada | $1,772 | +10% |
| Michigan | $1,812 | +13% |
| Maryland | $1,821 | +13% |
| New Jersey | $1,893 | +18% |
| Colorado | $1,910 | +19% |
| Rhode Island | $1,928 | +20% |
| Georgia | $1,957 | +22% |
| Texas | $1,999 | +25% |
| District of Columbia | $2,092 | +30% |
| New York | $2,132 | +33% |
| Florida | $2,207 | +37% |
| Louisiana | $2,258 | +41% |
Frequently asked questions
How much does it cost to insure a Lexus?
Across 11 current Lexus models, our full-coverage estimate averages $1,605 a year for a driver in their 30s with a clean record, 1% more than the average vehicle ($1,590).
What is the cheapest Lexus to insure?
The Lexus GX has the lowest estimate at about $1,180 a year for full coverage; the Lexus LS is the most expensive at about $2,225.
Are Lexus repairs expensive for insurers?
HLDI collision-loss data for 11 Lexus models averages 126 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Lexus?
By our estimates, Maine is the cheapest state (about $1,074 a year on average across current models) and Louisiana the most expensive (about $2,258).
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.