Over the past year, Jerry has helped 10,976 Lexus drivers find smarter coverage and meaningful savings. By analyzing real Lexus policies, we know what owners are actually buying and what you can expect to pay for each coverage level.
The current competitive annual prices for Lexus drivers are:
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$1,081 for basic coverage.
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$2,247 for standard coverage.
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$2,701 for premium coverage.
It’s important to note that your rate will depend on personal factors like your Lexus model, driving history and where you live.
On average, Lexus drivers pay between $2,549 and $5,452 annually for full coverage, with an average premium around $4,591. That’s higher than the national average of $3,818, due to pricier parts and high-end tech that cost more to repair or replace.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare rates and see if you’re getting the best coverage at the best price. If we find you a better deal, you can switch right away… even if you’re not yet up for renewal! Jerry can also cancel your old policy for you and help get any refund you’re owed.
Fast track your Lexus insurance with Jerry.
How much does Lexus insurance cost?
Lexus insurance rates can vary a lot, but Jerry makes it easy to see what drivers like you are really paying.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even in the same city, Lexus drivers can see premiums that differ by thousands annually. Jerry compares rates from leading insurers to help you choose the coverage that fits your needs and your budget.
What’s the best insurance for a Lexus?
Lexus ownership blends reliability, performance and refined engineering. Protecting that investment takes coverage that matches its standard… not just the legal minimum.
If you have a loan or lease on your Lexus, your lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Jerry recommends that Lexus drivers consider buying at least 100/300/100 liability with collision and comprehensive. While that’s higher than most state minimums, it’s smart protection for a luxury vehicle with costly repairs.
No matter your lender, budget or insurance company, there are lots of coverage options that can help protect your Lexus. Here are a few of the most common ones, what they do and why Lexus drivers often choose them.
Higher liability limits
Lexus models deliver serious performance, which can make at-fault accidents costly. Nearly half (47%) of Jerry Lexus drivers choose higher-than-minimum coverage.
Full coverage
Comprehensive and collision coverage protect your Lexus from theft, hail, and at-fault damage… and 39% of Jerry Lexus drivers opt for it.
OEM parts coverage
Keeps your Lexus in top shape with certified parts and expert repairs after a claim. It’s generally available for vehicles three to 10 years old.
New car replacement
Covers the cost of a brand-new Lexus if yours is totaled early in ownership. Some Lexus models (like the ES and CT) are more likely to be totaled after an accident, making this coverage especially valuable.
Roadside assistance
Helps with towing, lockouts, and jump-starts. It’s included for four years on new Lexuses, though many drivers decide to extend it for added peace of mind.
Rental reimbursement
Provides a rental car while your Lexus is in the shop from a claim. Most carriers offer up to 30 or 45 days of rental reimbursement, depending on your state.
Gap insurance
Covers what’s left on your loan or lease if your Lexus is totaled. Of all drivers, 39% add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rates from spiking after your first at-fault accident. Without it, Lexus drivers pay about 24% more on average… and sometimes even higher.
See coverage options for your Lexus.
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Coverage definitions
4 top ways Lexus drivers can lower insurance costs
When it comes to car insurance, the goal is simple: get the most protection for your money. But insuring a Lexus isn’t always straightforward: advanced tech, luxury features and higher repair costs can make coverage more complex than it looks.
That’s why it helps to know a few insider strategies. Our Jerry experts work with Lexus drivers every day and know how to keep premiums manageable without sacrificing the coverage these cars deserve. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 39% to 67% among Lexus drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Keep a clean driving record | 11% among Lexus drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare insurers before renewing
Not every insurer gets Lexus pricing right. Some overcharge for repairs, others treat them like any other car, and that leads to major price gaps for the same coverage.
Here’s where Lexus drivers who saved ended up switching last year after shopping with Jerry:
| Insurance carrier | Lexus drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 23% | 10% |
| National General | 15% | 29% |
| First Acceptance | 12% | 32% |
| Assurance America | 8% | 27% |
| National General Value Program | 8% | 31% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: A quick comparison can cut Lexus premiums by nearly a third. Jerry shows you real prices in real time, helping you spot your best deal before buying.
Tip 2: Stack discounts for extra savings
Many Lexus drivers are eligible for discounts they never see, thanks to safe driving, built-in safety tech or early policy renewals. But insurers don’t always apply these savings automatically.
Jerry does the digging and makes sure you get every discount you deserve.
Tip 3: Follow coverage trends among Lexus owners
Lexus drivers usually choose more than the minimum coverage, and for good reason. With their luxury features and advanced tech, these vehicles are worth protecting.
Minimum
$77– $165/mo
Offers the legal minimum limits, which vary by state.
Full
$171– $361/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$208– $439/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$228– $481/mo
Raises liability further, lowers deductibles, expands extra 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: Lexus drivers with newer models tend to choose full coverage and higher limits. Jerry experts recommend at least 100/300/100 for the right balance of protection and peace of mind.
Tip 4: Maintain a spotless record
A single citation can raise Lexus premiums by 10% to 20%. Staying ticket-free helps keep your rates low and shows insurers you’re a reliable driver.
If you do get cited, compare quotes before your next renewal. Some insurers are more forgiving than others and a quick check could save you from a lasting increase.
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, real savings
Wondering how much real Lexus owners are saving? Here are a few who switched with Jerry and saw major savings.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Insuring a Lexus can be pricier than average, but overpaying isn’t necessary. From the IS to the RX to the LC, Jerry finds coverage that meets Lexus standards: intelligent, effortless and fairly priced.
Jerry compares top insurers, applies every discount and monitors renewals so your protection stays as refined as your drive.
It only takes 2 minutes to sign up at Jerry.
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.
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.
