Best Lexus Car Insurance Rates in 2024
Average Lexus insurance is $106.42/mo across models. Notably, the 2013 RX Hybrid model has gained considerable acclaim among reviewers for its distinct appeal. The hybrid variant holds particular appeal due to its suitability for city driving and its alignment with increasing environmental awareness regarding greenhouse gas emissions.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: May 25, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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- The Lexus brand is favorable among consumers and reviewers alike
- Lexus Hybrids provide a luxury car experience and are better for the environment
- The cost of insuring a Lexus varies among states and individuals, so comparison shopping is key
- The average Lexus car insurance rates are $1,277/yr or $106.42/mo across all models
If you’re interested in purchasing and insuring a 2013 Lexus RX Hybrid, this article is a good place to start. Overall, Lexus models receive excellent reviews from reviewers and consumer websites for reliability and style for all their models.
A hybrid appealed somewhat because city driving and emissions are bound to be a matter of concern as countries become more aware of the effect of greenhouse gases. A hybrid may be the most reasonable option as Americans face new regulations.
A Lexus is a well-put-together vehicle, but no one should assume it has the acceleration of a sports car or even a high-end SUV. Handling is somewhat stiff, which probably will not be a factor for the average driver. On the other hand, the interiors and finish of the Lexus are well done, comfortable, and give the feeling of luxury.
Be sure to check out insurance rates for driving a Lexus by using the FREE comparison tool located above! Simply enter your ZIP code to get started.
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Current Offerings from Lexus
For 2014, Lexus offers the following sedans:
- IS sedan MSRP $35,950
- ES sedan MSRP $36,470
- GS sedan MSRP $47,700
- LS sedan MSRP $72,140
- IS C convertible MSRP $42,710 Specialty vehicle
The following SUVs are also offered:
- RX SUV MSRP $39,760
- GX SUV MSRP $49,085
- LX SUV MSRP $81,780
- F/F Sport ISF MSRP $63,350 Specialty vehicle
And the following hybrids:
- CT Hybrid MSRP $32,050
- RX Hybrid MSRP $45,410
- ES Hybrid MSRP $39,350
- GS Hybrid MSRP $59,600
- LS Hybrid MSRP $120,000
Discover the Optimal Coverage: Compare Lexus Car Insurance Rates by Model
Quickly compare car insurance rates for Lexus models including ES 330, ES 350, and LC 500. Start now to find the best rates for your Lexus!
| Compare Lexus Car Insurance Rates by Model |
|---|
| Lexus ES 330 |
| Lexus ES 350 |
| Lexus LC 500 |
A Brief History of Lexus
Lexus represents one of the luxury divisions of Toyota Motor Corporation. It was introduced to the United States in 1989 even though the brand began in Japan in 1983.
The vehicles have been produced in Japan since the inception of the brand, except in 1983 when a manufacturing plant was established in Ontario, Canada.
To date, that has been the only manufacturing facility Lexus has sponsored outside Japan.
The brand has been popular in the United States since its introduction. It continues in popularity even now. The 2013 RX Hybrid is particularly popular with reviewers.
Insuring Your New Lexus
The idea behind insurance is that, by paying premiums, the insurance company agrees to pay losses up to the limit of the policy if you have an accident that requires you to pay money to another person.
Every state requires individuals to purchase liability insurance if they drive a vehicle. This is considered to be for the public good because individuals usually do not have enough money to pay for the medical bills and property damage to others in the event of a car accident.
Insurance regulatory bodies for each state ordinarily list the basic requirements for automobile liability insurance on the state website. You can determine these requirements by accessing the websites or by asking an insurance agent.
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Getting an Insurance Quotation
You will need the following information to obtain an insurance quote for yourself:
- Name, Date of Birth, Drivers License Numbers, and Address for all drivers of your cars
- Make, Model, and Year for each vehicle you own. Later on, you’ll need the Vehicle Identification Number for each vehicle.
- Driving records for each of the drivers of your cars including the age at which each person received their drivers’ licenses
- How long you’ve lived at your current address
- Your general credit rating assessment — fair, good, very good
- Occupation and level of education for each individual driving your vehicles
- If you have a teen driver, include their grade point average for a possible good student discount. Driver’s education courses are helpful.
Access a computer and enter “insurance quotes” into the search engine, then click on an insurance company that advertises “free quotes.” Use the information you’ve gathered to receive the most accurate car insurance quotes possible. Shopping around will allow you to find the company that’s perfect for you.
Suggested Limits of Liability
The following are suggested limits of liability to request for your quote. These limits will meet or exceed the limits required by most states:
- Bodily Injury Liability – Your legal liability for injury to others if you are involved in an accident, which you caused. $100,000 per person/$300,000 per accident
- Property Damage Liability – Your legal liability for damage to property of others if you are involved in an accident, which you caused. $50,000 per accident property damage liability
- Medical Payments Coverage – Payment for medical issues caused in an accident whether you are responsible or not – $5,000 per accident for you or your passengers
- Uninsured or Underinsured Motorists Coverage – Payment for bodily injury in the event that you have an accident with an individual who has no insurance — $100,000 per accident/$300,000 per person Bodily Injury
Coverage for Damage to Your Own Vehicle(s) (Usually required by the entity that lent the money to help you pay for your car)
- Comprehensive Coverage – Payment to you for the following damage to your own car: weather damage, animal damage, vandalism, theft, and glass damage with a deductible. Suggested deductible $500.
- Collision Coverage – Payment to you for damage to your own car from a collision. A deductible is usually applied. Suggested deductible $500.
Make certain that these limits are entered into the application you complete, asking for your quote.
The Bottom Line
Since premiums vary according to personal circumstance as well as the way the automobile is driven, each family’s premium may vary.
To obtain an insurance quote for a 2014 Lexus RX 350 4-door, 2 Wheel Drive, the hypothetical insured was a widow, 56 years old, who drives 20 miles one way to work, and owns a condominium in Denver, Colorado.
Insurance Company #1 – $933.20 every six months
Insurance Company #2 – $625.64 every six months
Remember, insurance company rates vary according to the experience that the insurance companies have had with this particular vehicle and the circumstances of this individual.
If you require an exact quote, be sure to follow the steps listed for your own family and circumstances. You will very likely be requested to give your Social Security Number as well as drivers license numbers so the insurance company can verify credit records and driving records.
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Frequently Asked Questions
How do I compare Lexus car insurance rates?
To compare Lexus car insurance rates, you can follow these steps:
- Gather information: Collect details about your Lexus model, including its year, make, and specific trim level.
- Research insurance providers: Look for reputable insurance companies that offer coverage for Lexus vehicles.
- Request quotes: Reach out to multiple insurance providers and request quotes for your Lexus model. Provide accurate information about your driving history, location, and coverage requirements.
- Compare coverage options: Review the coverage options, including liability, comprehensive, collision, and additional coverage, offered by each insurance provider.
- Evaluate costs: Compare the quotes you received, taking into account the premiums, deductibles, and any discounts offered.
- Assess customer reviews and ratings: Consider the reputation and customer feedback of the insurance companies to ensure their reliability and customer service.
- Choose the best option: Based on your research, select the insurance provider that offers a competitive rate, meets your coverage needs, and provides excellent customer service.
What factors affect the cost of Lexus car insurance?
Several factors can influence the cost of Lexus car insurance, including:
- Model and year: The specific Lexus model and its year of manufacture can impact insurance rates.
- Trim level and features: The trim level and additional features of your Lexus, such as advanced safety systems, can affect insurance costs.
- Driver profile: Factors like your age, gender, marital status, driving history, and credit score can influence the insurance premium.
- Location: The area where you reside and park your Lexus can affect insurance rates. Urban areas or regions with high crime rates may have higher premiums.
- Annual mileage: The estimated number of miles you drive annually can impact the insurance cost.
- Coverage options: The type and amount of coverage you select, such as liability, comprehensive, collision, and additional coverage, will affect the premium.
- Deductibles: Higher deductibles generally lead to lower premiums, while lower deductibles may result in higher premiums.
- Insurance provider: Different insurance companies have varying pricing structures and discounts, which can influence the cost of coverage.
Are Lexus vehicles generally more expensive to insure?
Lexus vehicles are typically associated with higher insurance costs due to factors such as their luxury status, advanced features, and potentially higher repair costs. However, insurance rates can vary depending on various factors, including the specific Lexus model, the driver’s profile, location, and chosen coverage options. It’s always advisable to compare insurance quotes from different providers to find the most competitive rates for your Lexus.
Are there any discounts available for insuring a Lexus?
Yes, insurance companies often offer various discounts that can help reduce the cost of insuring a Lexus. Some common discounts include:
- Multi-vehicle discount: Insuring multiple vehicles with the same provider can lead to discounted rates.
- Safety features discount: If your Lexus is equipped with advanced safety features such as anti-lock brakes, airbags, or electronic stability control, you may qualify for a discount.
- Anti-theft system discount: Installing an anti-theft system in your Lexus can often lead to lower insurance premiums.
- Good driver discount: Maintaining a clean driving record without accidents or traffic violations can make you eligible for lower rates.
- Good student discount: If you or a family member on your policy is a student with good grades, you may qualify for a discount.
- Bundling discount: If you have other insurance policies, such as homeowners or renters insurance, bundling them with your Lexus car insurance under the same provider may result in discounted rates.
Can I get Lexus car insurance quotes online?
Yes, many insurance companies offer online quoting tools that allow you to obtain Lexus car insurance quotes easily. Visit the websites of insurance providers or use reputable insurance comparison websites to request quotes online. You will typically need to provide information about your Lexus model, personal details, driving history, and coverage preferences to receive accurate quotes. Online quoting can be a convenient way to compare rates from different insurers and make an informed decision about your Lexus car insurance.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.