Lexus ES Insurance Cost

Full coverage for a Lexus ES costs about $1,590 a year ($133/month) by our estimate — ▲ 0% versus the average vehicle, ranking 135th cheapest of 310 current models.

Lexus ES exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

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

Lexus ES insurance cost at a glance

Full coverage

$1,590

$133/mo · $1,305–$1,880

Minimum liability

$545

$46/mo

Segment

Luxury car

Gasoline, Hybrid, Electric

HLDI collision losses

121

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2025 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Lexus ES.

Estimated Lexus ES premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$545	$46	$450–$645
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$790	$66	$650–$935
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,590	$133	$1,305–$1,880

What drives the cost of insuring a Lexus ES

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Lexus ES's results put our vehicle factor at 0.89× for liability, 1.24× for collision and 1.11× for comprehensive.

HLDI relative insurance losses — Lexus ES 350 4dr (Midsize Luxury cars)
Coverage	Index	Rating	What it measures
Collision	121	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	108	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	78	Much better than average	Damage this car does to other vehicles and property
Bodily injury liability	92	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	100	Average	Injuries to occupants of this car (claim frequency)
Medical payments	129	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (3)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Lexus ES 350 4dr	121	108	78	92
Lexus ES 300h hybrid 4dr	174	140	127	148
Lexus ES 250 4dr 4WD	124	124	88	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 2 NHTSA recall campaigns and 13 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Lexus ES trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPGe (comb.)	Range
ES 350e (19 inch Wheels)	FWD	Electric	127	307 mi
ES 350e (21 inch Wheels)	FWD	Electric	121	292 mi
ES 350h	FWD	2.5L 4-cyl Hybrid	46	—
ES 350h AWD	AWD	2.5L 4-cyl Hybrid	44	—
ES 500e AWD (19 inch Wheels)	AWD	Electric	114	276 mi
ES 500e AWD (21 inch Wheels)	AWD	Electric	112	272 mi

Lexus ES insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPGe	Est. full / yr
2026	2.5L 4-cyl Hybrid, Electric	AWD, FWD	44–46	$1,590
2025	2.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	25–44	$1,555
2024	2.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	25–44	$1,515
2023	2.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	25–44	$1,480
2022	2.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	25–44	$1,440
2021	2.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	25–44	$1,405
2020	2.5L 4-cyl Hybrid, 3.5L 6-cyl	FWD	25–44	$1,365
2019	2.5L 4-cyl Hybrid, 3.5L 6-cyl	FWD	25–44	$1,330
2018	2.5L 4-cyl Hybrid, 3.5L 6-cyl	FWD	24–40	$1,290
2017	2.5L 4-cyl Hybrid, 3.5L 6-cyl	FWD	24–40	$1,255
2016	2.5L 4-cyl Hybrid, 3.5L 6-cyl	FWD	24–40	$1,215
2015	2.5L 4-cyl Hybrid, 3.5L 6-cyl	FWD	24–40	$1,210
2014	2.5L 4-cyl Hybrid, 3.5L 6-cyl	FWD	24–40	$1,210
2013	2.5L 4-cyl Hybrid, 3.5L 6-cyl	FWD	24–40	$1,210
2012	3.5L 6-cyl	FWD	22	$1,210
2011	3.5L 6-cyl	FWD	22	$1,210
2010	3.5L 6-cyl	FWD	22	$1,210
2009	3.5L 6-cyl	FWD	22	$1,210
2008	3.5L 6-cyl	FWD	22	$1,210
2007	3.5L 6-cyl	FWD	22	$1,210

Lexus ES insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the ES page for that state.

State	Full coverage	Minimum	vs. national	ES page
Alabama	$1,410	$425	−11%	ES in AL
Alaska	$1,405	$555	−12%	ES in AK
Arizona	$1,660	$590	+4%	ES in AZ
Arkansas	$1,440	$400	−9%	ES in AR
California	$1,585	$510	0%	ES in CA
Colorado	$1,815	$580	+14%	ES in CO
Connecticut	$1,670	$635	+5%	ES in CT
Delaware	$1,730	$715	+9%	ES in DE
District of Columbia	$2,020	$660	+27%	ES in DC
Florida	$2,190	$960	+38%	ES in FL
Georgia	$1,925	$775	+21%	ES in GA
Hawaii	$1,115	$385	−30%	ES in HI
Idaho	$1,085	$355	−32%	ES in ID
Illinois	$1,395	$445	−12%	ES in IL
Indiana	$1,145	$360	−28%	ES in IN
Iowa	$1,115	$275	−30%	ES in IA
Kansas	$1,300	$360	−18%	ES in KS
Kentucky	$1,335	$470	−16%	ES in KY
Louisiana	$2,190	$705	+38%	ES in LA
Maine	$1,030	$380	−35%	ES in ME
Maryland	$1,775	$670	+12%	ES in MD
Massachusetts	$1,570	$525	−1%	ES in MA
Michigan	$1,750	$680	+10%	ES in MI
Minnesota	$1,350	$420	−15%	ES in MN
Mississippi	$1,540	$470	−3%	ES in MS
Missouri	$1,460	$455	−8%	ES in MO
Montana	$1,305	$350	−18%	ES in MT
Nebraska	$1,305	$360	−18%	ES in NE
Nevada	$1,765	$770	+11%	ES in NV
New Hampshire	$1,150	$360	−28%	ES in NH
New Jersey	$1,870	$835	+18%	ES in NJ
New Mexico	$1,440	$465	−9%	ES in NM
New York	$2,095	$830	+32%	ES in NY
North Carolina	$1,225	$400	−23%	ES in NC
North Dakota	$1,060	$245	−33%	ES in ND
Ohio	$1,150	$360	−28%	ES in OH
Oklahoma	$1,465	$420	−8%	ES in OK
Oregon	$1,400	$555	−12%	ES in OR
Pennsylvania	$1,415	$380	−11%	ES in PA
Rhode Island	$1,895	$730	+19%	ES in RI
South Carolina	$1,670	$650	+5%	ES in SC
South Dakota	$1,270	$280	−20%	ES in SD
Tennessee	$1,345	$400	−15%	ES in TN
Texas	$1,905	$615	+20%	ES in TX
Utah	$1,420	$580	−11%	ES in UT
Vermont	$1,070	$285	−33%	ES in VT
Virginia	$1,370	$560	−14%	ES in VA
Washington	$1,365	$525	−14%	ES in WA
West Virginia	$1,355	$390	−15%	ES in WV
Wisconsin	$1,105	$330	−31%	ES in WI
Wyoming	$1,295	$290	−19%	ES in WY

Lexus ES insurance by driver profile

Estimated annual Lexus ES premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,505	$2,180	$4,380	$365
Young adult (22)	$875	$1,270	$2,550	$213
Adult in their 30s	$545	$790	$1,590	$133
Adult in their 50s	$505	$730	$1,465	$122
Senior (72)	$610	$885	$1,785	$149
30s, one at-fault accident	$790	$1,150	$2,310	$193
30s, DUI on record	$1,010	$1,465	$2,945	$245

Lexus ES vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Lexus ES	$1,590	121	108	—
Audi A4	$1,565	133	97	Compare
Audi A3	$1,615	118	73	Compare
Audi S3	$1,520	122	95	Compare

Estimate Lexus ES insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Lexus models

GX $1,180/yr
IS $1,835/yr
LC $1,820/yr
LS $2,225/yr
LX $1,530/yr
NX $1,425/yr
RX $1,445/yr
RZ $1,725/yr
TX $1,400/yr
UX $1,485/yr
RC $1,590/yr
GS $1,520/yr
CT $1,395/yr
HS $1,345/yr
LFA $1,580/yr
SC $1,580/yr

All Lexus insurance costs →

Frequently asked questions

How much is insurance for a Lexus ES?

We estimate about $1,590 a year ($133 a month) for full coverage and $545 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is about the same as the average vehicle.

Is the Lexus ES expensive to insure?

HLDI insurance-loss data rates it at 121 for collision and 108 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Lexus ES?

Maine has the lowest estimate (about $1,030 a year for full coverage) and Louisiana the highest (about $2,190).

What is the Lexus ES's NHTSA safety rating?

The 2025 Lexus ES earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Lexus ES cheaper to insure than the Audi A4?

By our estimate the Lexus ES costs about $1,590 a year versus $1,640 for the Audi A4, making it the cheaper of the two to insure.

How much is Lexus ES insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,380 a year at national-average rates by our estimate.

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