Estimates, not quotes

Lexus ES Insurance Cost in Colorado

Insuring a Lexus ES in Colorado costs about $1,815 a year ($151/month) for full coverage by our estimate — +14% versus the same car nationally — the 9th most expensive of 51 states for this model.

Lexus ES (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 in Colorado at a glance

Full coverage
$1,815
$1,490–$2,145
25/50/15 minimum
$580
$48/mo
Same car nationally
$1,590
full coverage
Avg. car in CO
$1,820
0% for the ES

The Lexus ES is about the same as the average vehicle to insure in Colorado, reflecting HLDI collision losses of 121 and comprehensive losses of 108 (100 = average). Colorado's own base rates are 13% higher than the national average, which carries through to every model.

Colorado factors that affect ES premiums

  • Uninsured drivers: 19.7% of Colorado drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your ES.
  • Theft: 305 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Colorado's expected annual losses as relatively high for hail, relatively moderate for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.25 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Colorado →

Lexus ES insurance cost in Colorado cities

CityFull coverageMinimumvs. state
Denver$2,025$645+12%
Colorado Springs$1,915$610+6%
Aurora$2,020$645+11%
Fort Collins$1,875$600+3%
Lakewood$2,005$640+10%
Thornton$2,100$670+16%
Arvada$2,000$640+10%
Westminster$2,030$650+12%
Greeley$1,935$615+7%
Pueblo$1,815$5850%
Centennial$2,015$640+11%
Boulder$1,880$600+4%
Longmont$1,975$630+9%

Lexus ES insurance in Colorado by driver

Estimated annual Lexus ES premium in Colorado
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,595 $2,315 $5,000 $417
Young adult (22) $930 $1,345 $2,910 $243
Adult in their 30s $580 $840 $1,815 $151
Adult in their 50s $535 $775 $1,670 $139
Senior (72) $650 $940 $2,035 $170
30s, one at-fault accident $840 $1,220 $2,635 $220
30s, DUI on record $1,075 $1,555 $3,360 $280

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $580 $48 $475–$685
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $840 $70 $690–$990
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,815 $151 $1,490–$2,145

Colorado minimum: 25/50/15 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Colorado

ModelFull coverage in COvs. ES
Audi A4$1,850+2%
Audi A3$1,795−1%
Audi S3$1,725−5%
Audi A5$1,975+9%

Estimate your ES premium by ZIP code

Runs in your browser — nothing you enter is stored or sent to insurers.

Estimated annual premium
—
Per month
—

Lexus ES insurance cost in every state · All Lexus models

Frequently asked questions

How much is Lexus ES insurance in Colorado?

About $1,815 a year ($151 a month) for full coverage and $580 for Colorado's minimum liability, for a driver in their 30s with a clean record. That is 14% more than the national estimate for the same car.

Is the Lexus ES cheaper to insure than the average car in Colorado?

The average vehicle in Colorado is about $1,820 a year for full coverage in our model, so the Lexus ES is about the same as average.

Where in Colorado is Lexus ES insurance cheapest?

Among the largest Colorado cities, Pueblo has the lowest estimate (about $1,815) and Thornton the highest (about $2,100).

What insurance do I need for a Lexus ES in Colorado?

Colorado requires at least 25/50/15 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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