Lexus ES Insurance Cost in Illinois

Insuring a Lexus ES in Illinois costs about $1,395 a year ($116/month) for full coverage by our estimate — −12% versus the same car nationally — the 23rd cheapest 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 Illinois at a glance

Full coverage

$1,395

$1,145–$1,645

25/50/20 minimum

$445

$37/mo

Same car nationally

$1,590

full coverage

Avg. car in IL

$1,380

+1% for the ES

The Lexus ES is 1% more expensive than the average vehicle to insure in Illinois, reflecting HLDI collision losses of 121 and comprehensive losses of 108 (100 = average). Illinois's own base rates are 10% lower than the national average, which carries through to every model.

Illinois factors that affect ES premiums

Uninsured drivers: 15.2% of Illinois drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your ES.
Theft: 238 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Illinois's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively high for inland (river) flooding, very high for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 1.13 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort).

Car insurance rules and costs in Illinois →

Lexus ES insurance cost in Illinois cities

City	Full coverage	Minimum	vs. state
Chicago	$1,630	$520	+17%
Aurora	$1,450	$465	+4%
Naperville	$1,495	$475	+7%
Joliet	$1,425	$455	+2%
Rockford	$1,345	$425	−4%
Elgin	$1,440	$460	+3%
Springfield	$1,270	$405	−9%
Peoria	$1,295	$410	−7%
Champaign	$1,295	$410	−7%
Waukegan	$1,430	$455	+3%
Decatur	$1,260	$400	−10%
Quincy	$1,230	$395	−12%

Lexus ES insurance in Illinois by driver

Estimated annual Lexus ES premium in Illinois
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,220	$1,770	$3,835	$320
Young adult (22)	$710	$1,030	$2,230	$186
Adult in their 30s	$445	$645	$1,395	$116
Adult in their 50s	$410	$590	$1,285	$107
Senior (72)	$495	$720	$1,560	$130
30s, one at-fault accident	$645	$935	$2,020	$168
30s, DUI on record	$820	$1,190	$2,580	$215

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
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.	$445	$37	$365–$525
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$645	$54	$525–$760
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,395	$116	$1,145–$1,645

Illinois minimum: 25/50/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Illinois

Model	Full coverage in IL	vs. ES
Audi A4	$1,445	+4%
Audi A3	$1,410	+1%
Audi S3	$1,340	−4%
Audi A5	$1,535	+10%

Estimate your ES premium by ZIP code

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

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

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 Illinois?

About $1,395 a year ($116 a month) for full coverage and $445 for Illinois's minimum liability, for a driver in their 30s with a clean record. That is 12% less than the national estimate for the same car.

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

The average vehicle in Illinois is about $1,380 a year for full coverage in our model, so the Lexus ES is 1% more expensive than average.

Where in Illinois is Lexus ES insurance cheapest?

Among the largest Illinois cities, Quincy has the lowest estimate (about $1,230) and Chicago the highest (about $1,630).

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

Illinois requires at least 25/50/20 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