How much is insurance on a Lexus ES?
A 2024 Lexus ES runs about $2,250 a year for a typical 45-year-old, $310 more than an average 2024 car: pricier repairs outweigh slightly fewer at-fault claims.
2024 Lexus ES, national average
about $2,250 a year (about $190 a month)
roughly $1,450–$3,450
An average 2024 car: about $1,940. An older Lexus ES costs less (below).
Priced: the 2024 ES 350 (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Lexus ES, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $2,250 | about $920 | +$1,490 | about $6,460 |
| 2022 (4–7 years old) | about $2,090 | about $920 | +$1,380 | about $6,000 |
| 2018 (8–12 years old) | about $1,920 | about $920 | +$1,270 | about $5,500 |
| 2013 (13 or more years old) | about $1,750 | about $920 | +$1,150 | about $5,010 |
We list the Lexus ES for 2006–2026. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 2024 Lexus ES runs from about $2,250 a year (ES 350) to about $2,710 (ES 300h): the claims data differs by drive, body, or powertrain.
- ES 350; ES 350 F Sport: about $2,250
- ES 250 AWD: about $2,300
- ES 300h: about $2,710
The Lexus ES for other drivers on their own policy, a year: 22–25, $2,930; 26–39, $2,500; 65 and older, $2,360.
Adding a 16-year-old with a Lexus ES
A new 16-year-old driving the Lexus ES adds about $1,490 a year ($125 a month), $200 more than with an average 2024 car.
For adding a teen, the Lexus ES ranks 18th most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Lexus ES costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- much higher than average
- Theft and weather
- higher than average
- Damage to others
- much lower than average
- Injuries to others
- lower than average
The part that fixes or replaces the Lexus ES: about $1,330, against $950 for an average 2024 car (40% more). The part that pays for harm to others: about $920, against $990 for an average car (7% less).
By the EPA's size classes it's a midsize car, and it's gas-powered. The Highway Loss Data Institute groups it with midsize luxury cars.
- Expensive and electric cars can cost more or less to insure than their repair records suggest.
Matched to “Lexus ES 350 4dr” in HLDI's results.
Similar midsize luxury cars
Among these 4 midsize luxury cars, the Lexus ES is the least expensive to insure.
- 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)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.