Drivers pay an average of $189 monthly for full coverage on a Lexus ES and $97 for minimum coverage. Costs can range from $56 to $291 monthly depending on your trim and model year.
Lexus ES Insurance Cost
Updated: May 15, 2026
Key Takeaways
GEICO offers the most affordable rates on average for Lexus ES owners, though full coverage costs vary widely by model year and insurer, with Lexus ES full coverage averaging $189 monthly. Read more.
Sedans cost less to insure than other vehicle types due to lower repair costs and better safety ratings, but the ES ranks 119th out of 199 sedans for affordability, placing it in the middle tier. Read more.
The model year of your ES makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. 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?
| Lexus Es | $97 | $189 |
Looking for another Lexus model? Read more about the cost of Lexus car insurance models.
Insurance costs for a Lexus ES vary by model year, from $61 monthly for older vehicles to $291 for newer models. Newer ES models carry higher market values, which pushes premiums up considerably.
Costs vary by model year and insurer. Lexus ES minimum coverage ranges from $83 monthly with GEICO to $207 with UAIC. Full coverage ranges from $179 monthly with GEICO to $505 with AIG.
ES owners should shop among insurers since minimum coverage varies by over $120 and full coverage by over $300.
| 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 shows the Lexus ES ranking 119th for insurance affordability. Among those vehicles, 118 sedans cost less to insure. The Lexus ES falls between the slightly cheaper Acura ILX and the slightly pricier Lincoln MKS in average insurance costs.
Among all 827 vehicles in MoneyGeek's database, the Lexus ES ranks 465th for insurance affordability. The Saturn S-Series has the cheapest sedan insurance rates, while the Cadillac CTS-V has the most expensive.
| 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 |
| Lexus 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 fifth most affordable model to maintain among Lexus's 19 vehicles, with repair costs averaging $894 annually. This low maintenance expense helps keep insurance premiums more reasonable.
- Vehicle trim, features and accessories: Horsepower ranges from 203 to 302 hp depending on your ES trim level, directly impacting insurance costs. Higher-performance trims carry considerably more expensive premiums since greater power translates to increased insurer risk.
- Driver profile: Most Lexus ES owners fall within the 30 to 50 age range, though younger drivers pay higher insurance rates. Read more about the costs of Lexus ES models for young drivers.
Lexus ES Costs by Model Year and Driver Age by Insurance Company
Your Lexus ES model year and age affect insurance costs. Newer models cost more to insure than older ones. Full coverage for a 35- to 55-year-old with a 2025 Lexus ES costs considerably more than coverage for older Lexus ES model years. People in their teens and early 20s pay much higher rates.
You can save money on Lexus ES insurance by comparing quotes from multiple insurers. GEICO offers the cheapest rates for every model year and saves policyholders hundreds of dollars per month compared to average rates.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Lexus ES
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
2025 Lexus ES Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $869 | $765 | $677 | $584 | $516 | $439 | $399 | $356 | $326 | $287 |
| Nationwide | $921 | $843 | $775 | $658 | $556 | $361 | $335 | $312 | $295 | $264 |
| Geico | $992 | $725 | $609 | $443 | $380 | $307 | $283 | $234 | $221 | $201 |
| Travelers | $1,095 | $797 | $633 | $489 | $434 | $312 | $286 | $265 | $245 | $209 |
| Allstate | $1,428 | $1,118 | $901 | $666 | $596 | $465 | $421 | $398 | $375 | $332 |
| Progressive | $1,540 | $1,246 | $1,034 | $575 | $502 | $405 | $361 | $322 | $296 | $254 |
| Farmers | $2,079 | $1,536 | $1,367 | $855 | $807 | $616 | $548 | $524 | $498 | $418 |
Cost of Car Insurance for 2024 Lexus ES
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
2024 Lexus ES Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $834 | $734 | $649 | $561 | $495 | $421 | $383 | $342 | $313 | $275 |
| Nationwide | $843 | $771 | $709 | $602 | $509 | $330 | $306 | $286 | $270 | $242 |
| Geico | $949 | $693 | $582 | $423 | $363 | $294 | $271 | $224 | $212 | $192 |
| Travelers | $1,021 | $745 | $593 | $458 | $407 | $290 | $266 | $247 | $229 | $194 |
| Allstate | $1,340 | $1,049 | $846 | $625 | $560 | $436 | $396 | $373 | $352 | $311 |
| Progressive | $1,477 | $1,195 | $992 | $551 | $481 | $388 | $346 | $309 | $284 | $244 |
| Farmers | $1,972 | $1,458 | $1,298 | $811 | $766 | $585 | $520 | $497 | $473 | $397 |
Cost of Car Insurance for 2023 Lexus ES
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
2023 Lexus ES Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $729 | $642 | $568 | $490 | $433 | $368 | $335 | $299 | $273 | $241 |
| Nationwide | $789 | $722 | $665 | $564 | $477 | $309 | $287 | $268 | $253 | $227 |
| Geico | $834 | $609 | $512 | $372 | $320 | $258 | $238 | $197 | $186 | $169 |
| Travelers | $931 | $677 | $537 | $415 | $368 | $265 | $243 | $225 | $209 | $178 |
| Allstate | $1,211 | $948 | $764 | $565 | $506 | $394 | $357 | $337 | $318 | $281 |
| Progressive | $1,293 | $1,046 | $868 | $483 | $421 | $340 | $303 | $270 | $249 | $214 |
| Farmers | $1,753 | $1,295 | $1,153 | $721 | $680 | $519 | $462 | $442 | $420 | $353 |
Cost of Car Insurance for 2022 Lexus ES
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
2022 Lexus ES Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $670 | $590 | $522 | $451 | $398 | $338 | $308 | $275 | $251 | $221 |
| Nationwide | $705 | $645 | $594 | $504 | $426 | $276 | $256 | $239 | $226 | $202 |
| Geico | $765 | $559 | $469 | $341 | $293 | $237 | $218 | $180 | $171 | $155 |
| Travelers | $841 | $612 | $486 | $376 | $334 | $239 | $219 | $203 | $188 | $160 |
| Allstate | $1,098 | $859 | $693 | $512 | $458 | $357 | $324 | $306 | $288 | $255 |
| Progressive | $1,188 | $961 | $798 | $443 | $387 | $312 | $278 | $248 | $228 | $196 |
| Farmers | $1,600 | $1,182 | $1,053 | $658 | $621 | $474 | $422 | $403 | $383 | $322 |
Cost of Car Insurance for 2021 Lexus ES
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
2021 Lexus ES Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $588 | $518 | $458 | $396 | $349 | $297 | $270 | $241 | $220 | $194 |
| Nationwide | $609 | $558 | $513 | $435 | $368 | $239 | $221 | $207 | $195 | $175 |
| Geico | $670 | $490 | $411 | $299 | $257 | $208 | $191 | $158 | $150 | $136 |
| Travelers | $731 | $533 | $424 | $327 | $291 | $208 | $191 | $177 | $164 | $139 |
| Allstate | $956 | $749 | $604 | $446 | $399 | $311 | $282 | $267 | $251 | $222 |
| Progressive | $1,042 | $843 | $700 | $389 | $339 | $274 | $244 | $218 | $200 | $172 |
| Farmers | $1,399 | $1,034 | $921 | $575 | $543 | $415 | $369 | $353 | $335 | $282 |
Cost of Car Insurance for 2020 Lexus ES
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
2020 Lexus ES Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $545 | $479 | $424 | $366 | $324 | $275 | $250 | $223 | $204 | $180 |
| Nationwide | $589 | $539 | $496 | $421 | $356 | $231 | $214 | $200 | $189 | $169 |
| Geico | $623 | $455 | $382 | $278 | $239 | $193 | $178 | $147 | $139 | $126 |
| Travelers | $695 | $505 | $401 | $310 | $275 | $198 | $182 | $168 | $156 | $133 |
| Allstate | $904 | $708 | $571 | $422 | $378 | $294 | $267 | $252 | $237 | $210 |
| Progressive | $966 | $782 | $649 | $361 | $315 | $254 | $226 | $202 | $186 | $160 |
| Farmers | $1,310 | $967 | $861 | $538 | $508 | $388 | $345 | $330 | $314 | $264 |
Cost of Car Insurance for 2019 Lexus ES
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
2019 Lexus ES Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $728 | $640 | $566 | $489 | $432 | $367 | $334 | $298 | $272 | $240 |
| Geico | $799 | $583 | $490 | $356 | $306 | $248 | $228 | $189 | $178 | $162 |
| Nationwide | $894 | $818 | $753 | $639 | $540 | $350 | $325 | $303 | $286 | $256 |
| Travelers | $964 | $704 | $560 | $432 | $384 | $275 | $252 | $234 | $217 | $184 |
| Allstate | $1,111 | $871 | $701 | $517 | $463 | $361 | $328 | $310 | $292 | $258 |
| Progressive | $1,305 | $1,056 | $877 | $487 | $425 | $343 | $306 | $273 | $251 | $216 |
| Farmers | $1,715 | $1,267 | $1,126 | $695 | $655 | $495 | $443 | $423 | $403 | $339 |
Cost of Car Insurance for 2018 Lexus ES
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
2018 Lexus ES Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $793 | $697 | $617 | $533 | $470 | $400 | $363 | $324 | $296 | $261 |
| Geico | $848 | $620 | $521 | $378 | $326 | $263 | $242 | $201 | $190 | $173 |
| Travelers | $910 | $661 | $523 | $405 | $358 | $264 | $241 | $223 | $206 | $178 |
| Nationwide | $961 | $881 | $811 | $688 | $581 | $377 | $349 | $326 | $308 | $276 |
| Allstate | $1,166 | $916 | $735 | $539 | $484 | $378 | $343 | $323 | $304 | $270 |
| Farmers | $1,578 | $1,168 | $1,040 | $650 | $614 | $465 | $415 | $397 | $377 | $318 |
| Progressive | $1,688 | $1,362 | $1,129 | $627 | $546 | $441 | $393 | $350 | $322 | $277 |
Cost of Car Insurance for 2017 Lexus ES
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
2017 Lexus ES Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,081 | $951 | $842 | $726 | $642 | $545 | $496 | $443 | $405 | $356 |
| Geico | $1,259 | $920 | $772 | $561 | $483 | $390 | $360 | $298 | $282 | $257 |
| Nationwide | $1,289 | $1,180 | $1,087 | $922 | $779 | $505 | $468 | $437 | $413 | $370 |
| Travelers | $1,409 | $1,020 | $806 | $623 | $549 | $409 | $374 | $345 | $319 | $276 |
| Allstate | $1,753 | $1,374 | $1,100 | $805 | $722 | $564 | $511 | $482 | $454 | $402 |
| Farmers | $2,256 | $1,673 | $1,492 | $940 | $888 | $677 | $602 | $577 | $549 | $460 |
| Progressive | $2,376 | $1,914 | $1,588 | $882 | $768 | $621 | $553 | $493 | $453 | $389 |
Cost of Car Insurance for 2016 Lexus ES
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
2016 Lexus ES Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $921 | $810 | $717 | $619 | $547 | $465 | $422 | $377 | $345 | $304 |
| Geico | $1,073 | $784 | $658 | $478 | $412 | $333 | $306 | $254 | $240 | $219 |
| Nationwide | $1,098 | $1,005 | $926 | $786 | $664 | $430 | $399 | $372 | $352 | $315 |
| Travelers | $1,200 | $869 | $686 | $531 | $468 | $348 | $318 | $294 | $271 | $235 |
| Allstate | $1,493 | $1,171 | $937 | $686 | $615 | $480 | $436 | $411 | $386 | $342 |
| Farmers | $1,922 | $1,426 | $1,271 | $800 | $756 | $577 | $513 | $492 | $467 | $392 |
| Progressive | $2,024 | $1,631 | $1,353 | $751 | $655 | $529 | $471 | $420 | $386 | $331 |
Lexus ES Insurance Cost by Trim
Lexus ES trim levels affect insurance costs, with rates ranging from $251 monthly for full coverage on high-performance ES 300h Ultra Luxury variants to $59 for minimum coverage on basic ES 300 Sedan 4D models. Market value and performance features determine the insurance cost of each trim.
| 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 |
Lexus ES Insurance Cost by State
Car insurance for a Lexus ES costs anywhere from $39 per month in Wyoming to $180 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not anything about 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 |
How to Lower the Cost of Lexus ES Insurance
Here are proven strategies to lower your Lexus ES insurance costs and find better rates:
- 1Choose the right coverage
You'll need to figure out 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 information helps you find the cheapest car insurance companies with competitive rates.
- 3Look for more than just low rates
Lexus ES owners should evaluate car insurance companies beyond their quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers often offer limited coverage options or slower customer service.
- 4Explore discounts you qualify for
Several car insurance discounts apply to Lexus ES owners, including safety features discounts, good driver discounts, bundling savings when combining auto and home policies, and anti-theft device discounts. Some insurers also offer professional association discounts for members of business organizations.
- 5Find alternative car insurance types
Lexus ES owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise that track safe driving habits and offer premium reductions. These telematics options work particularly well for professionals in places like Orange County who have predictable commuting patterns and maintain excellent driving records.
- 6Check rates every year
Get car insurance quotes from multiple companies annually to make sure you're getting the best deal. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Lexus ES insurance.
Lexus ES Insurance Cost: Bottom Line
Lexus ES insurance runs about average compared to other vehicles. Comparing multiple insurers, claiming available discounts and adjusting coverage options can get you competitive pricing.
Lexus ES Insurance Rates: FAQ
What is the average cost of car insurance for a Lexus ES?
Lexus ES owners pay $1,164 annually for minimum coverage and $2,268 for full coverage insurance. This luxury sedan costs $97 monthly for state minimum or $189 for comprehensive protection.
What company has the cheapest car insurance for a Lexus ES?
GEICO provides the most affordable minimum coverage for a Lexus ES at about $780 annually. The company also offers the cheapest full coverage at about $1,704 per year.
Is the Lexus ES expensive to insure?
No, Lexus ES insurance isn't expensive compared to other vehicles. Among sedans, this model places 119th out of 199 for affordability, while ranking 465th out of 827 total vehicles we track.
What factors affect Lexus ES insurance costs?
Several factors affect your Lexus ES insurance rates. Your driving record and credit score have a considerable impact on premiums, along with the coverage levels you select. The ES ranks well for affordability compared to other vehicles, with rates running about $23 below the national average monthly.
How can I lower Lexus ES insurance costs?
Compare quotes from multiple insurers since Lexus ES pricing varies widely between companies, and look into usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier, and maintain a clean driving record to get lower rates.
How We Determined Lexus ES Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.