In the past year, Jerry has helped 11,111 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:
$1,079 per year for basic coverage, $2,247 per year for standard full coverage and $2,701 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 $2,340 and $5,032 per year for full coverage, with the average being $4,282— which is slightly higher than the national average of $3,820.
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.
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Model
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Driver from
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Date of quote
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Monthly quote
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Savings
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|---|
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Model
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Driver from
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Date of quote
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Monthly quote
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Savings
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|---|---|---|---|---|
| ES 330 | Baltimore, MD | 10/09/25 | $225 | 34% |
| RX | Tampa, FL | 10/07/25 | $121 | 47% |
| IS 300 | St. Petersburg, FL | 10/05/25 | $109 | 48% |
| ES 350 | Omaha, AR | 10/04/25 | $96 | 3% |
| IS 300 | Moreno Valley, CA | 10/03/25 | $195 | 26% |
Methodology
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.
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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
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.
| How to save | Typical savings among Lexus drivers |
|---|---|
| Compare quotes | 39% to 67% |
| Stack discounts | 1% to 16% |
| Adjust coverage | 7% to 61%* |
| Keep a clean driving record | 11% |
Methodology
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:
| Carrier | % of Lexus drivers who switched | Average savings with Jerry |
|---|---|---|
| Progressive | 23% | 10% |
| National General | 15% | 29% |
| First Acceptance | 12% | 32% |
| Assurance America | 8% | 27% |
| National General Value | 8% | 31% |
Methodology
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.
| Discount | Average savings | Best savings we've found |
|---|---|---|
| Homeowner discount (even without bundling) | 4% | 9% |
| Use the Good Driver discount | 15% | 26% |
| Safety features installed in vehicle | 2% | 7% |
| Buy your policy early (advance quote) | 3% | 5% |
| Go paperless | 2% | 3% |
Methodology
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): $77 to $167
Offers the state-mandated minimum coverage
State minimum + full coverage (per month): $174 to $372
Adds collision and comprehensive
Standard (per month): $210 to $443
Coverage varies by state. May increase liability, add uninsured/underinsured motorist, medical payments, towing, rental coverages.
Preferred (per month): $229 to $477
Coverage varies by state. May raise liability further, lower deductibles, increase medical payments, towing/rental coverages.
Methodology
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: Steer clear of tickets and citations
Insurance companies reward consistent, safe driving with lower rates. We found that Lexus drivers who maintained a clean record save an average of 11% compared to those with speeding tickets or accidents.
Speeding, distracted driving, rolling through stop signs and reckless driving are all common reasons premiums rise. Even one ticket can increase your premium, and more serious violations — like an at-fault accident or a DUI — can push costs up dramatically. Avoiding these incidents is one of the simplest ways to keep your luxury vehicle's insurance affordable over time.
Speeding, distracted driving, rolling through stop signs, and reckless driving are all common reasons premiums rise.
Methodology
Based on drivers aged 35-44 who requested standard coverage quotes through Jerry, driving one vehicle (model years 2015 or newer), over the past 18 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry proof: Real Lexus drivers and real savings
Here are real Lexus owners and the savings they achieved after shopping with Jerry.
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Model
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Driver from
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Policy date
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Old rate
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New rate
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Annual savings
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|---|
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Model
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Driver from
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Policy date
|
Old rate
|
New rate
|
Annual savings
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|---|---|---|---|---|---|
| ES 330 | Baltimore, MD | 10/09/25 | $4,097 | $2,696 | $1,401 |
| RX | Tampa, FL | 10/07/25 | $2,726 | $1,450 | $1,276 |
| IS 300 | St. Petersburg, FL | 10/05/25 | $2,516 | $1,308 | $1,208 |
| ES 350 | Omaha, AR | 10/04/25 | $1,188 | $1,156 | $32 |
| IS 300 | Moreno Valley, CA | 10/03/25 | $3,180 | $2,342 | $838 |
Methodology
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 4.6 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.
Methodology
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. Not all customers find savings.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie's deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
