In the past year, Jerry has helped 10891 Lexus drivers shop for auto insurance. By analyzing real policies from Lexus owners, we know what they’re actually paying today — and what a fair price looks like at every coverage level.

The lowest rates Jerry has found for Lexus insurance are:

$730 per year for basic coverage, $1,576 per year for standard full coverage and $2,391 per year for premium full coverage protection.

Keep in mind, these figures are just benchmarks. Your individual rate depends on your Lexus model, your driving history and your location. On average, Lexus drivers spend between $2,400 and $5,212 per year for full coverage, with the average being $4,342 — which is slightly higher than the national average of $3,854.

Jerry uses live pricing from top carriers and real-world data from thousands of Lexus policies to help you secure the right coverage at the most competitive rate.

What do Lexus drivers really pay for insurance?

Insurance premiums are never one-size-fits-all, but Jerry makes it easy to see what other Lexus owners are paying right now.

Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Key takeaway: Two Lexus drivers with similar vehicles can end up paying very different rates. You can reference Jerry’s quotes data on this page to see if your car insurance costs are similar to other drivers, or if you’re overpaying.

What’s the best insurance for a Lexus?

Whether you’re behind the wheel of an RX crossover, an ES luxury sedan or a high-performance LC coupe, Lexus ownership is about innovation and long-term value. That means your insurance needs to do more than meet the minimum requirements — it should safeguard your investment and guarantee quality repairs.

Here’s what Lexus owners often look for in a policy:

• Strong liability coverage: High-end cars on the road can mean higher repair bills after an at-fault accident. For example, Lexus drivers might opt for 100/300/100 coverage limits, which means $100,000 per person and $300,000 per accident in bodily injury liability and $100,000 per accident in property damage liability, for peace of mind.
• Comprehensive and collision: Together, these protect against collision damage, theft, and environmental risks. Given the cost of Lexus parts and labor, these coverages are essential.
• Original equipment manufacturer (OEM) parts coverage: Following a covered claim, this ensures repairs are made with genuine Lexus parts, preserving vehicle safety, manufacturer standards and resale value.
• New car replacement: If your Lexus is totaled within its first couple of years, this add-on covers the cost of a brand-new replacement, not just the depreciated value.
• Roadside assistance: For just a few extra dollars per month, roadside coverage provides towing, fuel delivery, lockout services and more. This is a convenient safeguard for busy professionals and frequent travelers.
• Rental reimbursement: This covers a rental car while yours is being repaired after a covered accident, so you don’t miss a beat if your Lexus is out of service.
• Gap insurance: If you lease or finance, gap coverage pays off the balance on your loan if the car is totaled, even when its market or actual cash value (ACV) is less. 
• Reliable claims handling: Luxury owners expect premium service. Jerry helps Lexus drivers choose between top carriers with strong reputations for fast, fair claims support. 

Key takeaway: The best Lexus insurance balances premium protection with value. That means choosing liability limits and add-ons that preserve your Lexus’s luxury standard while keeping costs manageable.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

4 ways Lexus drivers can reduce insurance premiums right now

Jerry’s insurance experts recommend these strategies for Lexus drivers who want to save without giving up the protection their vehicles deserve.

Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

*Among all Jerry drivers nationwide.

Tip 1: Compare quotes to see who offers the best deal

Insurers don’t all treat Lexus the same. A luxury SUV might cost far more to cover with one company than another. Here’s where Lexus drivers who saved switched last year after shopping with Jerry:

Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Why it matters: Shopping around can cut premiums for many Lexus drivers by up to a third. Jerry compares rates in minutes, so you’ll always know which carrier is offering the best value.

Tip 2: Maximize savings with discounts

From safe-driver rewards to multi-policy bundles, Lexus drivers often qualify for multiple discounts. But insurers don’t always apply them automatically. Jerry checks across the board to make sure every saving gets added to your quote.

Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Key takeaway: Bundling and stacking discounts can lower your premium more effectively than adjusting your coverage limits alone.

Tip 3: Match your coverage to what other Lexus drivers buy

Because Lexus models carry higher-than-average repair costs, most owners select more robust coverage than the bare minimum.

State minimum (per month): $78 to $166

Offers the state-mandated minimum coverage

State minimum + full coverage (per month): $175 to $378

Adds collision and comprehensive

Standard (per month): $212 to $451

Varies by state. May increase liability, add uninsured/underinsured motorist, medical payments, towing, rental coverages.

Preferred (per month): $233 to $484

Varies by state. May raise liability further, lower deductibles, increase medical payments, towing/rental coverages.

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Why it matters: The majority of Lexus drivers with newer models choose full coverage, such as a policy with 100/300/100 liability limits plus comprehensive and collision. This protects against both financial liability and expensive luxury repairs.

Tip 4: Keep your Lexus policy balanced to avoid coverage gaps

Even a short lapse in insurance can drive up future premiums and make it harder to find competitive rates; the average Lexus driver saw premiums rise by 11% after a lapse. If your Lexus policy is starting to strain your budget, review your coverage ahead of renewal. Adjusting deductibles, removing features you don’t use or fine-tuning coverage levels can help keep costs manageable while maintaining solid protection.

Jerry proof: Real Lexus drivers and real savings

Here are real Lexus owners and the savings they achieved after shopping with Jerry.

Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Customer feedback: Drivers who switched with Jerry rate us 4.7 out of 5 stars on Trustpilot.

Drive with confidence

Lexus insurance usually costs more than average, but Jerry makes sure you never pay more than you should. Whether you’re insuring a new RX, a pre-owned ES or a high-performance IS, Jerry compares leading carriers, finds you discounts and manages renewals so you can have the right coverage at a great price.

Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers.