How much is insurance on a Lexus ES?

Priced for the 2024 ES 350, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Lexus ES's rank is the same in every state.

Why the Lexus ES costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Lexus ES 350 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 121 for crash repairs, 108 for non-crash damage, 78 for damage to others' property, and 92 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage21% worse than averagebest of the 4 midsize luxury cars we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage8% worse than average2nd best of the 4 midsize luxury cars we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average22% better than averagebest of the 4 midsize luxury cars we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 8% less often than average2nd best of the 4 midsize luxury cars we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Lexus ES comes out about 17% worse than average. Published prices for luxury makes like this one run higher than their loss results alone suggest, so we also add a smaller version of an adjustment we fitted to those prices (how much smaller is our estimate). With it, the part of the bill that fixes the car is about 40% more than average: about $1,330 a year vs $950. On the liability side, damage to others and injury claims combine to about 14% better than average. We count about half, so that part is about 7% less: $920 a year vs $990.

How the math works

In EPA size classes, the ES is a midsize car (gas-powered). In Highway Loss Data Institute loss tables, the Lexus ES is benchmarked against midsize luxury cars.

• Expensive and electric cars can cost more or less to insure than their repair records suggest.

Matched to HLDI series “Lexus ES 350 4dr” (HLDI, 2022–24 models).

A used Lexus ES, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 ES 350 (0–3 years old)	about $2,250	about $920	+$1,490	about $6,460
2022 ES 350 (4–7 years old)	about $2,090	about $920	+$1,380	about $6,000
2018 ES 350 (8–12 years old)	about $1,840	about $800	+$1,220	about $5,290
2013 ES 350 (13 or more years old)	about $1,750	about $880	+$1,160	about $5,030

Our catalog covers the Lexus ES across model years 2006–2026. Full coverage on a used 2013 ES (13 or more years old) runs about $1,750 a year, $500 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $880 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Lexus ES trims, full coverage goes from about $2,250 a year on the ES 350 to about $2,710 on the ES 300h, because HLDI's loss results differ by body, drive, or powertrain.

• ES 350; ES 350 F Sport: about $2,250
• ES 250 AWD: about $2,300
• ES 300h: about $2,710

On a policy of their own with a 2024 Lexus ES, a 22–25-year-old pays about $2,930 a year ($680 more than a 45-year-old), a 26–39-year-old about $2,500, and a driver 65 and older about $2,360.

Adding a 16-year-old with a Lexus ES

A new driver costs more with any car, and more than usual with the Lexus ES: adding a 16-year-old raises the family bill by about $1,490 a year ($125 a month), $200 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,460 a year ($4,980 more than adding them to the family policy).

For adding a teen driver, the Lexus ES ranks 18th most expensive out of all 121 models we track. Stepping down to a used 2013 ES (13 or more years old) brings the teen add-on to about $1,160 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize luxury cars

Among these 4 midsize luxury cars, the Lexus ES is the least expensive to insure. Next up is the Tesla Model 3, at about $2,790 a year.

• 2024 Lexus ESabout $2,250 (this car)
• 2024 Tesla Model 3about $2,790 ($540 more)
• 2024 BMW 330iabout $2,850 ($600 more)
• 2024 Mercedes-Benz C-Classabout $3,020 ($770 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Lexus ES costs in your state

In six sample states, a 2024 Lexus ES runs from about $1,500 a year in North Dakota through Montana, Alaska, Arizona and Rhode Island to about $2,700 in Texas:

• North Dakotaabout $1,500/yr · +$990 teen
• Montanaabout $1,850/yr · +$1,220 teen
• Alaskaabout $1,970/yr · +$1,300 teen
• Arizonaabout $2,350/yr · +$1,550 teen
• Rhode Islandabout $2,680/yr · +$1,770 teen
• Texasabout $2,700/yr · +$1,780 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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