Lexus ES insurance costs average $97 per month for minimum coverage and $189 monthly for full coverage. Depending on your particular trim and model year, costs can range anywhere from $56 to $296 monthly.
Lexus ES Insurance Cost
Updated: September 26, 2025
Key Takeaways
Lexus ES insurance costs range from $89 to $296 monthly depending on your specific trim level and model year.
The Lexus ES ranks 465th out of 827 vehicle models for insurance affordability in the United States market.
GEICO offers the most affordable Lexus ES coverage at $142 monthly for full protection and $65 for minimum coverage.
How Much Is Lexus ES Insurance?
| Lexus Es | $97 | $189 |
Lexus ES Insurance Cost by Model Year
Your vehicle's model year and available trims directly impact your insurance rates. Newer cars usually cost more to insure because of their higher replacement value. Monthly premiums for Lexus ES models span from $56 for older years to $291 for newer ones.
| 2025 | $119 | $232 |
| 2024 | $113 | $220 |
| 2023 | $101 | $196 |
| 2022 | $92 | $179 |
| 2021 | $80 | $156 |
| 2020 | $75 | $147 |
| 2019 | $98 | $191 |
| 2018 | $104 | $202 |
| 2017 | $150 | $291 |
| 2016 | $128 | $248 |
| 2015 | $106 | $206 |
| 2014 | $96 | $187 |
| 2013 | $89 | $172 |
| 2012 | $73 | $142 |
| 2011 | $63 | $123 |
| 2010 | $91 | $175 |
| 2009 | $87 | $168 |
| 2008 | $81 | $157 |
| 2007 | $77 | $148 |
| 2006 | $61 | $117 |
| 2005 | $60 | $115 |
| 2004 | $59 | $114 |
| 2003 | $57 | $110 |
| 2002 | $63 | $121 |
| 2001 | $59 | $114 |
| 2000 | $56 | $108 |
Lexus ES Insurance Cost by Trim
Your Lexus ES trim affects insurance costs based on its features, rarity and market value. Monthly premiums range from $59 for basic trims to $251 for luxury models. Higher-end versions with advanced technology and premium materials cost more to insure due to expensive replacement parts and repair costs.
| 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 |
Compare Personalized Lexus ES Insurance Costs
We've organized Lexus ES insurance costs by specific model year and trim for accurate estimates.
Data filtered by:Results filtered by:
Select
Model Year:2000
Select
Trim:Es 300 Sedan 4d
| Es 300 Sedan 4d | $56 | $108 |
Lexus ES Insurance Cost by Company
Lexus ES insurance costs vary by provider from $104 to $233 monthly. Minimum coverage ranges from $65 to $149, while full coverage costs $142 to $332. Rates vary due to different risk assessment models.
| 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 |
Lexus ES Insurance Cost by State
Car insurance for a Lexus ES varies by state, ranging from $39 monthly in Wyoming to $386 monthly in Louisiana for minimum coverage.
| 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 Insurance Cost by Driver Profile
Your driving profile affects Lexus ES insurance pricing extensively, with age and driving record playing major roles. Monthly rates can reach $363 if you're a young driver under 25 without violations and drop to just $143 monthly for adult drivers between 26-64 with clean records.
| Adult Drivers | $97 | $189 |
| Young Drivers | $248 | $478 |
| Senior Drivers | $130 | $239 |
| Drivers With a Speeding Ticket | $121 | $237 |
| Drivers With an Accident | $143 | $277 |
| Drivers With a DUI | $179 | $344 |
| Drivers With Bad Credit | $234 | $471 |
Is a Lexus ES Expensive to Insure?
You might be concerned about Lexus insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a Lexus ES ranks 465th out of 827, making it one of the more expensive cars to insure. Among midsize luxury sedans, the model ranks 25th out of 47.
| Alfa Romeo Giulia | $61 | $120 |
| Cadillac Seville | $62 | $119 |
| Infiniti I | $64 | $124 |
| Lincoln LS | $68 | $132 |
| Buick Regal | $71 | $136 |
| Volvo S80 | $78 | $151 |
| Volkswagen Phaeton | $78 | $151 |
| Lincoln MKZ | $79 | $153 |
| Acura TL | $80 | $154 |
| Buick Lacrosse | $83 | $160 |
| Infiniti G-Series | $83 | $160 |
| Infiniti M | $85 | $165 |
| Mercedes C-Class | $85 | $166 |
| Mercedes E-Class | $87 | $170 |
| Buick Regal Tour X | $88 | $171 |
| Lincoln Continental | $88 | $172 |
| Buick Regal Sportback | $88 | $171 |
| Audi A6 | $90 | $176 |
| Bmw 3-series | $91 | $176 |
| Lexus GS | $91 | $177 |
| Infiniti Q40 | $93 | $181 |
| Audi A5 | $94 | $184 |
| Cadillac CTS | $96 | $187 |
| Bmw 5-series | $97 | $188 |
| Lexus ES | $97 | $189 |
| Acura RLX | $104 | $203 |
| Volvo S60 | $105 | $204 |
| Lexus ES | $107 | $208 |
| Genesis G80 | $111 | $216 |
| Audi S6 | $111 | $218 |
| Acura TLX | $112 | $218 |
| Mercedes CLS | $116 | $227 |
| Infiniti Q70 | $118 | $229 |
| Cadillac CT5 | $118 | $231 |
| Audi S7 | $124 | $244 |
| Jaguar XF | $125 | $242 |
| Mercedes EQE | $124 | $243 |
| Cadillac STS | $126 | $244 |
| Audi A7 | $128 | $250 |
| Bmw i4 | $130 | $254 |
| Bmw M5 | $132 | $259 |
| Bmw 6-series | $137 | $267 |
| Volvo S90 | $138 | $269 |
| Audi RS 7 | $150 | $295 |
| Maserati Ghibili | $184 | $362 |
| Cadillac CT5-V | $247 | $482 |
| Cadillac CTS-V | $276 | $538 |
Factors That Affect Lexus Car Insurance Costs
Multiple factors influence what you'll pay for Lexus ES insurance coverage:
- Age (57.6 median): The Lexus ES appeals to an older demographic, often retirees or seasoned professionals, who value a comfortable and reliable vehicle.
- Gender (50.4% female): A recent S&P Global Mobility report found that slightly more women than men purchased Lexus vehicles in recent months, which is a shift from the overall luxury car market.
- Income: The Lexus ES owner typically has a high household income, reflecting the car's status as a luxury vehicle. This demographic, while financially stable, may face higher insurance rates due to the car's high value.
Average Repair or Replacement Costs
Lexus ranks 24th in repair affordability among 59 U.S. automakers with median annual costs of $1,087. Lexus ES repair costs average $894 annually, making it Lexus's fifth most affordable model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Lexus ES is available in multiple trims, including the ES 250 (with all-wheel drive), ES 350 (V6 engine), and the ES 300h (hybrid). Key features across the lineup include a comfortable and quiet interior, Lexus Safety System+ 2.5, and a large touchscreen display with Apple CarPlay® and Android Auto™.
Higher-level trims like the F SPORT Handling offer a sport-tuned suspension and performance upgrades. In contrast, the Ultra Luxury trim adds premium amenities like a panorama glass roof and a heads-up display. Insurance costs can be higher for more luxurious trims due to the expense of replacing advanced components.
Fuel Type
The Lexus ES offers a choice of powertrains. The gasoline-powered ES 250 and ES 350 models are designed to run on regular unleaded 87-octane gasoline. The Lexus ES 300h hybrid model also uses regular unleaded fuel.
The hybrid's superior fuel economy can lead to lower long-term running costs for drivers, which can be a factor in insurance pricing.
Location
The Lexus ES is a popular vehicle in the U.S. and is often seen in suburban and urban areas where luxury and comfort are highly valued.
Insurance rates for a Lexus ES can vary by location. Areas with high rates of luxury car theft or higher population density and traffic may have more expensive insurance premiums.
Driver Profile
The average Lexus ES owner is a mature, high-income individual. A recent report found that the average age of a new Lexus buyer is 57.6 years old.
Cheapest Lexus ES Insurance Companies
GEICO offers the most affordable ES car insurance with full coverage premiums averaging $142 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for ES vehicles at $65 per month.
| GEICO | $65 | $142 |
| Travelers | $81 | $150 |
| Nationwide | $99 | $171 |
| The Hartford | $101 | $172 |
| Progressive | $97 | $181 |
Cheapest Lexus ES Insurance by State
We found the top three cheapest car insurance providers for a Lexus ES:
- GEICO: Most affordable in 15 states
- Travelers: Most affordable in 13 states
- American National: Most affordable in three states
Filter below to see which provider offers the most affordable auto insurance rates for your Lexus ES.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Travelers | $67 |
How to Get the Best Cheap Lexus ES Insurance
Below you'll find the top car insurance discounts available for your Lexus ES:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Lexus's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then you can look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Lexus ES, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you’ll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Lexus ES owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (10% to 25% savings): Many ES owners also have another vehicle in the household, and insurers provide strong savings for insuring multiple cars under one policy.
- Bundling/Multi-Policy Discount (5% to 25% savings): ES drivers often own homes or condos, making them well-suited for bundling auto and homeowners policies for substantial discounts.
- Good Driver/Safe Driver Discount (10% to 30% savings): The ES is popular with older, more experienced drivers who typically maintain clean records, qualifying them for safe-driver savings.
- Safety Features/Advanced Safety Discount (5% to 20% savings): Equipped with Lexus Safety System+ features such as adaptive cruise control, lane departure alert, and pre-collision systems, the ES qualifies for strong safety discounts.
- Low Mileage/Usage-Based Discount (5% to 30% savings): Many ES models are used primarily for commuting or leisure, and owners with lower mileage or participation in telematics programs can unlock additional savings.
- 5
Consider alternative car insurance types
Lexus ES owners should consider Lexus Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Lexus ES insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Lexus ES Insurance Cost: Bottom Line
Insuring a Lexus ES costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Lexus ES Insurance Rates: FAQ
Here are answers to common questions about insuring a Lexus ES.
What is the average cost of car insurance for a Lexus ES?
The Lexus ES's average annual insurance cost is $1,165 for state minimum coverage and $2,267 for full coverage.
What company has the cheapest car insurance for a Lexus ES?
GEICO offers the most affordable ES car insurance with full coverage premiums averaging $142 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for ES vehicles at $65 per month.
Are Lexus ESs expensive to insure?
Yes, Lexus ES insurance costs more than most cars. Out of 827 vehicles we track, the ES ranks 465th for affordability. Among midsize luxury sedans, this model sits at 25th out of 47.
What factors affect insurance costs for Lexus ESs?
Several things drive up your Lexus ES rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer Lexus-certified repair shops cost more.
How can I lower Lexus ES insurance costs?
Shop around with multiple insurers as rates vary for Lexus, and consider usage-based insurance programs that track your driving habits. Take advantage of Lexus's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Lexus ES Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Lexus ES insurance costs.
Who We Based These Rates On
These Lexus ES prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.