The Lexus ES is a mid-size luxury sedan that first debuted in the U.S. in 1989. The entry-level luxury sedan is set to undergo a makeover for the 2026 model. No matter which type of ES you drive, it needs to be protected with the right car insurance.
When it's time to find the best Lexus ES insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Lexus ES at a great rate. But first, here's a deep dive into how much it costs to insure a Lexus ES by model year and top-rated insurance company in 2026.
Key Takeaways - Lexus ES Car Insurance
Lexus ES insurance costs an average of $2,267 per year, or approximately $189 per month, for full coverage in 2026.
Minimum coverage for a Lexus ES costs an average of $1,165 per year, or approximately $97 per month.
Nationwide, Progressive, USAA, and American Family are the cheapest carriers for Lexus ES insurance this year.
Lexus ES insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $51 monthly for minimum coverage, while those in Louisiana pay $280.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Lexus ES model.
What Is Lexus ES Insurance?
Lexus ES insurance is just a car insurance policy that includes customized coverage options for your specific vehicle. As a mid-size luxury sedan, the ES may require additional coverage beyond that of standard sedans. However, the ES's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Lexus ES drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Add-on coverage options worth considering for a Lexus ES:
- Lexus warranty insurance: This can extend Lexus's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Lexus vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Lexus parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
Most states require certain types of car insurance by law. A local independent insurance agent can help you satisfy your state's minimum car insurance requirements for your ES so you can avoid noncompliance fines and other penalties.
How Much Does Lexus ES Insurance Cost?
The average cost of car insurance for a Lexus ES is $2,267 per year, or approximately $189 per month, for full coverage. Minimum coverage for an ES costs an average of $1,165 per year, or approximately $97 per month. However, several factors can influence the cost of ES insurance, including:
- The specific type of ES you drive
- Annual mileage
- The types and amount of coverage you need
- Your credit score (where allowed)
- Your claims history
- Vehicle safety features
- Your driving history
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Lexus ES full coverage insurance or a basic Lexus ES liability insurance policy. They can also help you compare costs for different models, including Lexus ES 350 car insurance rates and Lexus ES 300H car insurance rates.
Is the Lexus ES Expensive to Insure?
No, the Lexus ES isn't expensive to insure on average. The average monthly cost of Lexus ES auto insurance is $143, which is comparable to the Chrysler 300 and Acura ILX.
| Vehicle | Average Monthly Cost of Car Insurance |
| BMW 5-Series | $142 |
| Chrysler 300 | $143 |
| Acura ILX | $143 |
| Lexus ES | $143 |
| Lincoln MKS | $145 |
| Kia K5 | $146 |
| Dodge Dart | $146 |
Lexus ES Insurance Costs by Model Year
Next, we'll break down several model years of the Lexus ES and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Lexus ES* | $1,945 |
| 2025 Lexus ES | $2,409 |
| 2024 Lexus ES | $6,907 |
| 2023 Lexus ES | $1,608 |
| 2022 Lexus ES | $1,602 |
| 2021 Lexus ES | $969 |
| 2020 Lexus ES | $1,021 |
| 2019 Lexus ES | $907 |
| 2018 Lexus ES | $1,047 |
| 2017 Lexus ES | $880 |
| 2016 Lexus ES | $975 |
| 2015 Lexus ES | $695 |
| 2014 Lexus ES | $580 |
| 2013 Lexus ES | $714 |
| 2012 Lexus ES | $654 |
| 2011 Lexus ES | $606 |
| 2010 Lexus ES | $593 |
*Note: The 2026 ES's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Lexus ES 300H Car Insurance Companies for 2026
Affordable Lexus ES insurance is available from many different insurers across the country. These top-rated car insurance companies provide the cheapest model-year 2025 Lexus ES 300H insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $2,039 |
| USAA | $2,441 |
| Nationwide | $2,514 |
| American Family | $2,693 |
| Erie | $2,856 |
| Allstate | $5,445 |
Cheapest Lexus ES 350 Car Insurance Companies for 2026
These top-rated car insurance companies provide the cheapest model-year 2025 Lexus ES 350 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Nationwide | $2,215 |
| American Family | $2,253 |
| Progressive | $2,315 |
| Erie | $2,328 |
| USAA | $2,415 |
| Allstate | $4,621 |
Lexus ES Car Insurance Rates by State
Location plays a major role in car insurance premium calculations. Here are some average auto insurance rates for the Lexus ES by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $85 | $161 |
| Alaska | $70 | $148 |
| Arizona | $124 | $231 |
| Arkansas | $81 | $182 |
| California | $93 | $189 |
| Colorado | $96 | $230 |
| Connecticut | $127 | $219 |
| Delaware | $126 | $211 |
| Florida | $117 | $273 |
| Georgia | $135 | $225 |
| Hawaii | $50 | $114 |
| Idaho | $52 | $106 |
| Illinois | $90 | $169 |
| Indiana | $64 | $124 |
| Iowa | $57 | $138 |
| Kansas | $70 | $164 |
| Kentucky | $117 | $199 |
| Louisiana | $180 | $386 |
| Maine | $52 | $108 |
| Maryland | $143 | $242 |
| Massachusetts | $98 | $208 |
| Michigan | $157 | $304 |
| Minnesota | $81 | $168 |
| Mississippi | $91 | $179 |
| Missouri | $119 | $237 |
| Montana | $75 | $178 |
| Nebraska | $73 | $166 |
| Nevada | $165 | $299 |
| New Hampshire | $68 | $121 |
| New Jersey | $155 | $255 |
| New Mexico | $79 | $175 |
| New York | $114 | $205 |
| North Carolina | $78 | $153 |
| North Dakota | $65 | $141 |
| Ohio | $73 | $142 |
| Oklahoma | $94 | $209 |
| Oregon | $109 | $190 |
| Pennsylvania | $86 | $203 |
| Rhode Island | $118 | $211 |
| South Carolina | $95 | $178 |
| South Dakota | $56 | $170 |
| Tennessee | $75 | $154 |
| Texas | $120 | $246 |
| Utah | $102 | $173 |
| Vermont | $46 | $110 |
| Virginia | $92 | $149 |
| Washington | $86 | $160 |
| West Virginia | $88 | $178 |
| Wisconsin | $64 | $142 |
| Wyoming | $39 | $121 |
Average Lexus ES Insurance Rates by Driver Age
Teens and young drivers are likely to pay the highest average Lexus ES insurance rates. Car insurance premiums typically begin to drop dramatically around age 25. However, once a driver reaches about age 65, car insurance costs begin to climb through their senior years. A local independent insurance agent can help you find the most affordable Lexus ES insurance for your age range.
Average Lexus ES Insurance Rates by Trim Level
Your ES's specific trim can also impact its auto insurance costs. Here are some average Lexus ES insurance rates by trim level for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| ES 300 Sedan 4D | $59 | $113 |
| ES 330 Sedan 4D | $60 | $116 |
| ES 250 F Sport Sedan 4D | $78 | $152 |
| ES 250 Sedan 4D | $79 | $154 |
| ES 350 F Sport Sedan 4D | $81 | $158 |
| ES 350 Luxury Sedan 4D | $87 | $170 |
| ES 250 Luxury Sedan 4D | $89 | $173 |
| ES 350 Sedan 4D | $92 | $178 |
| ES 350 F Sport Sedan 4D | $93 | $180 |
| ES 300H Luxury Sedan 4D | $94 | $182 |
| ES 350 Ultra Luxury Sedan 4D | $94 | $183 |
| ES 250 F Sport Design Sedan 4D | $95 | $185 |
| ES 300H F Sport Sedan 4D | $95 | $185 |
| ES 250 Ultra Luxury Sedan 4D | $97 | $188 |
| ES 300h Ultra Luxury Sedan 4D | $97 | $188 |
| ES 350 F Sport Design Sedan 4D | $97 | $189 |
| ES 300H Sedan 4D | $102 | $199 |
| ES 300H F Sport Handling Sedan 4D | $102 | $199 |
| ES 350 | $103 | $201 |
| ES 350 Crafted Line Sedan 4D | $105 | $202 |
| ES 300H F Sport Design Sedan 4D | $105 | $203 |
| ES 250 | $105 | $204 |
| ES 350 F Sport Handling Sedan 4D | $105 | $204 |
| ES 300H | $108 | $210 |
| ES 350 Luxury | $112 | $219 |
| ES 350 F Sport Design | $114 | $223 |
| ES 250 F Sport Design | $114 | $223 |
| ES 250 Luxury | $115 | $224 |
| ES 350 F Sport Handling | $116 | $227 |
| ES 300H F Sport Design | $119 | $231 |
| ES 300H Luxury | $119 | $232 |
| ES 350 Ultra Luxury | $122 | $237 |
| ES 250 Ultra Luxury | $123 | $241 |
| ES 300H F Sport Handling | $124 | $241 |
| ES 300H Ultra Luxury | $129 | $251 |
Best Lexus ES Insurance Discounts: How to Lower Your Lexus ES Insurance Premiums
Want to save more money on Lexus ES insurance? Follow any of these simple steps to potentially reduce your Lexus ES auto insurance savings even further:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Lexus may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Lexus ES insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Compare quotes from multiple carriers: Comparing Lexus ES insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Lexus ES insurance from a trusted carrier near you.
Local independent insurance agents can recommend additional strategies to help maximize your savings on Lexus ES car insurance.
An Independent Insurance Agent Can Help You Get the Best Lexus ES Insurance Quotes
When it's time to find the most affordable Lexus ES insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Lexus ES insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Lexus ES Insurance
How much does Lexus ES insurance cost per year?
The average cost of full coverage for a Lexus ES is $2,267 per year, or approximately $189 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Lexus ES insurance premiums?
If you've filed claims in the past, have any accidents or traffic violations on your record, drive an expensive trim level, or have poor credit, you might experience higher Lexus ES insurance premiums.
Is the Lexus ES expensive to insure?
No, the Lexus ES isn't expensive to insure when compared to similar vehicles in its class. The Lexus ES's rates are comparable to the Acura ILX and the Chrysler 300, while being lower than those of the Lincoln MKS, the Kia K5, and the Dodge Dart.
What are the best and cheapest carriers for Lexus ES 300H insurance in 2026?
We found that Progressive, USAA, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Lexus ES 300H insurance this year.
What are the best and cheapest carriers for Lexus ES 350 insurance in 2026?
We found that Nationwide, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2025 Lexus ES 350 insurance this year.
How can I get cheaper Lexus ES insurance?
Finding cheaper Lexus ES insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/lexus-es-insurance/
https://www.insuranceopedia.com/auto-insurance/lexus-es-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/lexus/es-300h/
https://www.thezebra.com/auto-insurance/vehicles/lexus/es-350/