Lexus ES Insurance Cost
The Lexus ES is a luxury sedan with an average insurance cost of $2,150/yr. It carries a IIHS Top Safety Pick+ safety rating and low theft risk. See how costs break down by year below.
Quote My ES$2,150/yr
Avg. Annual Insurance
IIHS Top Safety Pick+
Safety Rating
Low
Theft Risk
Luxury Sedan
Body Type
Insurance Cost by Year — Lexus ES
About Lexus ES Insurance
The Lexus ES is a popular luxury sedan that averages $2,150/yr in annual insurance premiums. This places it above the national average of approximately $1,770 per year.
With a IIHS Top Safety Pick+ safety rating, the ES is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The low theft risk also helps keep comprehensive coverage affordable.
Insurance costs vary by model year — newer ESs (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Lexus ES insurance cost?
The average insurance cost for a Lexus ES is $2,150/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Lexus ES expensive to insure?
Compared to the national average of about $1,770/yr, the Lexus ES at $2,150/yr is above average in insurance cost. As a luxury sedan, it falls within the typical range for its class.
What is the Lexus ES's safety rating?
The Lexus ES has a IIHS Top Safety Pick+ safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Lexus ES a theft target?
The Lexus ES has a low theft risk rating. Low theft risk helps keep your comprehensive coverage affordable.
How can I get cheap Lexus ES insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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