Newer Lexus ES models cost more to insure than older ones due to higher market values. Monthly premiums for full coverage range from $113 for the oldest ES models to $232 for 2025 models, while minimum coverage spans $59 to $119 across model years.
Lexus ES Insurance Cost
Updated: January 30, 2026
Key Takeaways
GEICO offers the most affordable Lexus ES insurance on average, though full coverage costs vary widely by model year and insurer, averaging $189 monthly nationwide. Read more
The ES ranks 119th out of 199 sedans for insurance affordability, placing it in the middle tier among sedans. Sedans cost less to insure than other vehicle types due to better safety ratings and lower repair costs. Read more
For the most accurate rates, check costs for your ES's model year, especially if you're insuring a teen driver. Read MoneyGeek's analysis of rates by company for specific Es model years, depending on the age of the drivers
How Much Is Lexus ES Insurance?
Costs vary by model year and company. Lexus ES minimum coverage spans $65 monthly with GEICO to $149 with Farmers, while full coverage goes from $142 monthly with GEICO to higher rates with AIG.
Rate variations (more than $84 for minimum coverage and $190 for full coverage) demonstrate why Lexus ES owners need to shop around. Each company calculates model-specific risk differently, which impacts your final quote.
| AAA | $109 | $227 |
| AIG | $133 | $332 |
| Allstate | $125 | $241 |
| Amica | $121 | $247 |
| Chubb | $126 | $252 |
| Farmers | $149 | $264 |
| Geico | $65 | $142 |
| Kemper | $101 | $206 |
| Nationwide | $99 | $171 |
| Progressive | $97 | $181 |
| State Farm | $90 | $188 |
| The Hartford | $101 | $172 |
| Travelers | $81 | $150 |
| UAIC | $143 | $180 |
Is Lexus ES Expensive to Insure?
MoneyGeek's analysis of 199 sedans reveals the Lexus ES ranks 119th for insurance affordability, meaning 118 models cost less to insure. It's positioned between the slightly cheaper Acura ILX and the marginally pricier Lincoln MKS, with costs differing by just a few dollars monthly. This middle-tier standing among sedans provides helpful context for potential buyers.
While it's reasonably priced within its category, sedans tend to be expensive to insure overall. The Lexus ES sits at 465th out of 827 total vehicles, placing it among the pricier half of all models. For comparison, the Saturn S-Series offers the most affordable sedan insurance rates, while the Cadillac CTS-V commands the highest premiums.
| BMW 5-series | $142 | 116 |
| Chrysler 300 | $143 | 117 |
| Acura ILX | $143 | 118 |
| Lexus ES | $143 | 119 |
| Lincoln MKS | $145 | 120 |
| Kia K5 | $146 | 121 |
| Dodge Dart | $146 | 122 |
Several factors affect what you'll pay for Lexus ES insurance:
- Average Repair or Replacement Costs: The Lexus ES ranks as the 5th most affordable model to maintain among Lexus's 19 vehicles, with repair costs averaging $894 annually, keeping maintenance expenses relatively manageable.
- Vehicle Trim, Features and Accessories: Higher-performance trims cost more to insure due to increased horsepower capabilities. The ES's power output ranges from 203 to 302 horsepower, depending on trim, with stronger engines raising premiums.
- Driver Profile: Most Lexus ES drivers fall into the 35 to 45 age range, which helps keep rates lower due to responsible driving habits. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Lexus ESs for young drivers.
Lexus ES Insurance Cost by State
Car insurance for a Lexus ES ranges from $51 monthly in Wyoming to $280 monthly in Louisiana for minimum coverage. Location affects rates based on regional risk factors and state insurance regulations, not the vehicle itself.
| Alabama | $85 | $161 |
| Alaska | $70 | $148 |
| Arizona | $124 | $231 |
| Arkansas | $81 | $182 |
| California | $93 | $189 |
| Colorado | $96 | $230 |
| Connecticut | $127 | $219 |
| Delaware | $126 | $211 |
| Florida | $117 | $273 |
| Georgia | $135 | $225 |
| Hawaii | $50 | $114 |
| Idaho | $52 | $106 |
| Illinois | $90 | $169 |
| Indiana | $64 | $124 |
| Iowa | $57 | $138 |
| Kansas | $70 | $164 |
| Kentucky | $117 | $199 |
| Louisiana | $180 | $386 |
| Maine | $52 | $108 |
| Maryland | $143 | $242 |
| Massachusetts | $98 | $208 |
| Michigan | $157 | $304 |
| Minnesota | $81 | $168 |
| Mississippi | $91 | $179 |
| Missouri | $119 | $237 |
| Montana | $75 | $178 |
| Nebraska | $73 | $166 |
| Nevada | $165 | $299 |
| New Hampshire | $68 | $121 |
| New Jersey | $155 | $255 |
| New Mexico | $79 | $175 |
| New York | $114 | $205 |
| North Carolina | $78 | $153 |
| North Dakota | $65 | $141 |
| Ohio | $73 | $142 |
| Oklahoma | $94 | $209 |
| Oregon | $109 | $190 |
| Pennsylvania | $86 | $203 |
| Rhode Island | $118 | $211 |
| South Carolina | $95 | $178 |
| South Dakota | $56 | $170 |
| Tennessee | $75 | $154 |
| Texas | $120 | $246 |
| Utah | $102 | $173 |
| Vermont | $46 | $110 |
| Virginia | $92 | $149 |
| Washington | $86 | $160 |
| West Virginia | $88 | $178 |
| Wisconsin | $64 | $142 |
| Wyoming | $39 | $121 |
Lexus ES Costs by Model Year and Insurance Company
Newer car models tend to be much more expensive than older models, though insurance costs for your Lexus ES may change greatly depending on your specific model year and driver ages on your policy. A 35- to 55-year-old driver pays around $232 monthly for full coverage on a 2025 Lexus ES compared to $191 for a 2016 model. This $41 difference shows how model year affects your insurance costs, with newer vehicles consistently costing more to insure. Young drivers in their teens and early twenties will pay much more to insure across all model years.
You'll have the opportunity to save on your Lexus ES insurance costs by shopping between insurers. GEICO offers the cheapest rates across all model years.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Lexus ES
| Geico | $80 | $175 |
| Travelers | $97 | $181 |
| National General | $100 | $204 |
| State Farm | $111 | $231 |
| Progressive | $113 | $212 |
| Nationwide | $117 | $203 |
| Kemper | $122 | $251 |
| The Hartford | $124 | $211 |
| AAA | $136 | $282 |
| Amica | $151 | $311 |
| Allstate | $155 | $298 |
| Chubb | $160 | $320 |
| AIG | $165 | $412 |
| UAIC | $172 | $217 |
| Farmers | $189 | $334 |
Cost of Car Insurance for 2024 Lexus ES
| Geico | $77 | $167 |
| Travelers | $90 | $168 |
| National General | $93 | $191 |
| State Farm | $106 | $222 |
| Nationwide | $107 | $186 |
| Progressive | $108 | $203 |
| Kemper | $117 | $239 |
| The Hartford | $118 | $202 |
| AAA | $128 | $266 |
| Amica | $142 | $291 |
| Allstate | $145 | $280 |
| Chubb | $149 | $298 |
| AIG | $154 | $385 |
| UAIC | $163 | $206 |
| Farmers | $179 | $317 |
Cost of Car Insurance for 2023 Lexus ES
| Geico | $67 | $147 |
| Travelers | $83 | $154 |
| National General | $84 | $173 |
| State Farm | $93 | $194 |
| Progressive | $95 | $178 |
| Nationwide | $100 | $174 |
| Kemper | $103 | $211 |
| The Hartford | $104 | $177 |
| AAA | $115 | $239 |
| Amica | $128 | $264 |
| Allstate | $131 | $253 |
| Chubb | $136 | $272 |
| AIG | $140 | $349 |
| UAIC | $146 | $184 |
| Farmers | $159 | $282 |
Cost of Car Insurance for 2022 Lexus ES
| Geico | $62 | $135 |
| Travelers | $74 | $139 |
| National General | $77 | $157 |
| State Farm | $85 | $179 |
| Progressive | $87 | $163 |
| Nationwide | $90 | $156 |
| Kemper | $94 | $193 |
| The Hartford | $95 | $163 |
| AAA | $104 | $217 |
| Amica | $116 | $239 |
| Allstate | $119 | $229 |
| Chubb | $123 | $246 |
| AIG | $127 | $316 |
| UAIC | $133 | $167 |
| Farmers | $145 | $257 |
Cost of Car Insurance for 2021 Lexus ES
| Geico | $54 | $118 |
| Travelers | $65 | $120 |
| National General | $67 | $137 |
| State Farm | $75 | $157 |
| Progressive | $77 | $143 |
| Nationwide | $77 | $134 |
| Kemper | $83 | $169 |
| The Hartford | $84 | $143 |
| AAA | $91 | $190 |
| Amica | $101 | $208 |
| Allstate | $104 | $200 |
| Chubb | $107 | $214 |
| AIG | $110 | $275 |
| UAIC | $116 | $146 |
| Farmers | $127 | $225 |
Cost of Car Insurance for 2020 Lexus ES
| Geico | $50 | $110 |
| Travelers | $62 | $115 |
| National General | $63 | $129 |
| State Farm | $69 | $145 |
| Progressive | $71 | $133 |
| Nationwide | $75 | $130 |
| Kemper | $77 | $158 |
| The Hartford | $78 | $132 |
| AAA | $86 | $178 |
| Amica | $96 | $197 |
| Allstate | $98 | $189 |
| Chubb | $101 | $203 |
| AIG | $104 | $261 |
| UAIC | $109 | $137 |
| Farmers | $119 | $211 |
Cost of Car Insurance for 2019 Lexus ES
| Geico | $65 | $141 |
| National General | $74 | $152 |
| Travelers | $85 | $159 |
| State Farm | $93 | $194 |
| Progressive | $96 | $180 |
| The Hartford | $100 | $170 |
| AAA | $107 | $222 |
| Kemper | $112 | $231 |
| Nationwide | $114 | $197 |
| Amica | $117 | $241 |
| Allstate | $120 | $232 |
| Chubb | $127 | $254 |
| UAIC | $134 | $168 |
| AIG | $134 | $339 |
| Farmers | $153 | $272 |
Cost of Car Insurance for 2018 Lexus ES
| Geico | $69 | $151 |
| National General | $80 | $164 |
| Travelers | $83 | $154 |
| State Farm | $101 | $211 |
| Kemper | $109 | $224 |
| The Hartford | $115 | $196 |
| AAA | $117 | $243 |
| Chubb | $119 | $238 |
| Nationwide | $122 | $212 |
| Progressive | $123 | $230 |
| Amica | $124 | $255 |
| Allstate | $126 | $243 |
| AIG | $144 | $356 |
| Farmers | $144 | $255 |
| UAIC | $147 | $182 |
Cost of Car Insurance for 2017 Lexus ES
| Geico | $103 | $224 |
| National General | $110 | $226 |
| Travelers | $130 | $240 |
| State Farm | $139 | $288 |
| The Hartford | $157 | $268 |
| Kemper | $160 | $326 |
| Nationwide | $164 | $284 |
| AAA | $170 | $351 |
| Amica | $172 | $352 |
| Progressive | $173 | $324 |
| Chubb | $182 | $360 |
| Allstate | $188 | $362 |
| AIG | $209 | $516 |
| Farmers | $209 | $368 |
| UAIC | $237 | $294 |
Cost of Car Insurance for 2016 Lexus ES
| Geico | $88 | $191 |
| National General | $94 | $193 |
| Travelers | $111 | $204 |
| State Farm | $118 | $245 |
| The Hartford | $134 | $228 |
| Kemper | $137 | $277 |
| Nationwide | $140 | $242 |
| AAA | $145 | $299 |
| Amica | $146 | $300 |
| Progressive | $147 | $276 |
| Chubb | $155 | $307 |
| Allstate | $160 | $308 |
| AIG | $178 | $440 |
| Farmers | $178 | $314 |
| UAIC | $202 | $251 |
Lexus ES Insurance Cost by Trim
Insurance costs for your Lexus ES vary by trim level, from $59 monthly for minimum coverage on basic ES 300 Sedan 4D models to higher rates for performance-oriented variants like the ES 350 F Sport. Performance features and market value determine where each trim falls in this range.
| Es 300 Sedan 4d | $59 | $113 |
| Es 330 Sedan 4d | $60 | $116 |
| Es 250 F Sport Sedan 4d | $78 | $152 |
| Es 250 Sedan 4d | $79 | $154 |
| Es 350 F Sport Sedan 4d | $81 | $158 |
| Es 350 Luxury Sedan 4d | $87 | $170 |
| Es 250 Luxury Sedan 4d | $89 | $173 |
| Es 350 Sedan 4d | $92 | $178 |
| Es 350 F Sport Sedan 4d | $93 | $180 |
| Es 300h Luxury Sedan 4d | $94 | $182 |
| Es 350 Ultra Luxury Sedan 4d | $94 | $183 |
| Es 250 F Sport Design Sedan 4d | $95 | $185 |
| Es 300h F Sport Sedan 4d | $95 | $185 |
| Es 250 Ultra Luxury Sedan 4d | $97 | $188 |
| Es 300h Ultra Luxury Sedan 4d | $97 | $188 |
| Es 350 F Sport Design Sedan 4d | $97 | $189 |
| Es 300h Sedan 4d | $102 | $199 |
| Es 300h F Sport Handling Sedan 4d | $102 | $199 |
| Es 350 | $103 | $201 |
| Es 350 Crafted Line Sedan 4d | $105 | $202 |
| Es 300h F Sport Design Sedan 4d | $105 | $203 |
| Es 250 | $105 | $204 |
| Es 350 F Sport Handling Sedan 4d | $105 | $204 |
| Es 300h | $108 | $210 |
| Es 350 Luxury | $112 | $219 |
| Es 350 F Sport Design | $114 | $223 |
| Es 250 F Sport Design | $114 | $223 |
| Es 250 Luxury | $115 | $224 |
| Es 350 F Sport Handling | $116 | $227 |
| Es 300h F Sport Design | $119 | $231 |
| Es 300h Luxury | $119 | $232 |
| Es 350 Ultra Luxury | $122 | $237 |
| Es 250 Ultra Luxury | $123 | $241 |
| Es 300h F Sport Handling | $124 | $241 |
| Es 300h Ultra Luxury | $129 | $251 |
How to Lower the Cost of Lexus ES Insurance
We've compiled proven strategies to help you find better rates on Lexus ES insurance:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Lexus ES. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for luxury sedans. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Lexus ES.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers could provide limited coverage or slower service when you need claims assistance.
- 4Explore discounts you qualify for
Discover car insurance discounts offered to your situation. Lexus ES owners qualify for safety features discounts, good driver discounts, bundling discounts and anti-theft discounts. These savings can reduce your premium costs without sacrificing coverage quality.
- 5Consider alternative car insurance types
Lexus ES owners might benefit from usage-based insurance programs. Options like Progressive Snapshot telematics or Allstate Drivewise safe driving apps track driving habits and deliver premium reductions based on your actual driving behavior and mileage patterns.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Lexus ES insurance. Market conditions and your profile change regularly, creating new savings opportunities.
Lexus ES Insurance Cost: Bottom Line
Lexus ES insurance runs average in cost, though you'll secure better rates by shopping smart. Compare quotes from multiple insurers, claim available discounts and adjust your coverage choices to find competitive pricing.
Lexus ES Insurance Rates: FAQ
What is the average cost of car insurance for a Lexus ES?
Lexus ES insurance, on average, costs $1,165 yearly for state minimum coverage and $2,267 for full coverage.
What company has the cheapest car insurance for a Lexus ES?
GEICO provides the most affordable auto insurance for a Lexus ES at $785 annually for minimum coverage. Full coverage seekers also get the best rates with Geico at $1,709 per year.
Are Lexus ESs expensive to insure?
No, Lexus ES insurance is not more expensive than most vehicles to insure. Among sedans specifically, it ranks 119th out of 199 models for affordability, while placing 465th out of 827 total vehicles we track.
What factors affect insurance costs for Lexus ESs?
Your driving record and credit score impact premiums, along with the coverage levels you select. The vehicle's luxury status and repair costs for premium parts also influence what you'll pay for coverage.
How can I lower Lexus ES insurance costs?
Compare quotes from multiple insurers since Lexus ES pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies with the same provider, and maintain a clean driving record to secure better rates.
How We Determined Lexus ES Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Lexus ES insurance costs.
Who We Based These Rates On
These Lexus ES rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.