Estimates, not quotes

Lexus ES Insurance Cost in Washington

Insuring a Lexus ES in Washington costs about $1,365 a year ($114/month) for full coverage by our estimate — −14% versus the same car nationally — the 21st 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 Washington at a glance

Full coverage
$1,365
$1,120–$1,610
25/50/10 minimum
$525
$44/mo
Same car nationally
$1,590
full coverage
Avg. car in WA
$1,380
−1% for the ES

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

Washington factors that affect ES premiums

  • Uninsured drivers: 19.1% of Washington drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your ES.
  • Theft: 259 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Washington's expected annual losses as very low for hail, relatively low for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.21 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Washington →

Lexus ES insurance cost in Washington cities

CityFull coverageMinimumvs. state
Seattle$1,560$600+14%
Spokane$1,410$540+3%
Tacoma$1,540$590+13%
Vancouver$1,455$560+7%
Bellevue$1,470$565+8%
Kent$1,550$595+14%
Everett$1,485$575+9%
Spokane Valley$1,400$535+3%
Renton$1,550$595+14%
Yakima$1,375$525+1%
Bellingham$1,365$5300%
Auburn$1,520$585+11%
Lynnwood$1,565$605+15%

Lexus ES insurance in Washington by driver

Estimated annual Lexus ES premium in Washington
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,445 $2,095 $3,755 $313
Young adult (22) $840 $1,220 $2,185 $182
Adult in their 30s $525 $760 $1,365 $114
Adult in their 50s $485 $700 $1,255 $105
Senior (72) $590 $855 $1,530 $128
30s, one at-fault accident $760 $1,105 $1,980 $165
30s, DUI on record $970 $1,410 $2,525 $210

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. $525 $44 $430–$620
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $760 $63 $625–$900
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,365 $114 $1,120–$1,610

Washington minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Washington

ModelFull coverage in WAvs. ES
Audi A4$1,405+3%
Audi A3$1,405+3%
Audi S3$1,295−5%
Audi A5$1,465+7%

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Estimated annual premium
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Lexus ES insurance cost in every state · All Lexus models

Frequently asked questions

How much is Lexus ES insurance in Washington?

About $1,365 a year ($114 a month) for full coverage and $525 for Washington's minimum liability, for a driver in their 30s with a clean record. That is 14% less than the national estimate for the same car.

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

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

Where in Washington is Lexus ES insurance cheapest?

Among the largest Washington cities, Bellingham has the lowest estimate (about $1,365) and Lynnwood the highest (about $1,565).

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

Washington requires at least 25/50/10 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