Lexus ES Auto Insurance Rates

Finding the best Lexus ES auto insurance rates isn't hard to do, but there are a lot of things you should know to help get affordable car insurance that still meets your needs. Lexus ES car insurance prices depend on your driving record, your age, your insurance company, and even your credit score. Where you live is important, too. Lexus auto insurance rates by state can vary widely, and even living in different ZIP codes can make a difference. The average Lexus ES car insurance costs $123 per month or $1,470. A great way to make sure you're getting the best insurance rate is to get quotes from several of the best auto insurance companies to compare.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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The ES is a luxury, midsize sedan in Lexus’ lineup. Starting at just under $40,000, the car is an attractive choice for those looking for an elegant car. However, the sticker price isn’t everything as you’ll find. As a buyer, you should take the associated costs of ownership into consideration. What is the fuel economy on this car? What will your monthly Lexus ES auto insurance rates look like?

Finding cheap car insurance rates is important when you’re driving a more expensive car, even if it’s on the cheaper end of the Lexus line. The average cost of Lexus ES car insurance is $123 a month, but that can vary a lot based on where you live, your age, and even your credit score.

One of the best ways to save on your insurance is to compare rates from a variety of companies. You can use our FREE rate comparison tool to get started right now. If you’d like to learn more about Lexus ES insurance, read on.

Lexus ES: Ratings & Reviews

The ES is a good choice for anyone looking to buy in the luxury sedan segment. It wasn’t designed to be a sports sedan; however, it provides an incredibly smooth and comfortable ride. Equipped with an elegant interior and a long list of creature comforts, this car is sure to impress.

Lexus has made a name for itself for being reliable and having a good resale value. It has remained relatively unchanged from the 2011 model and comes available in one trim. This equips it with an automatic transmission and a V6, which is more than necessary to propel the car through the street.

Overall, the ES is a great choice in its car segment.

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These Companies Offer the Cheapest Lexus ES Insurance

Lexus ES: Insurance Costs

The first thing you’ll want to keep in mind is your driving history. This can mean the difference between an affordable or a costly premium. It is the insurance company’s way of gauging how responsible you are behind the wheel. The less risk you pose to insure, the less your premium will be.

Another thing to consider is the levels of coverage you have on your current policy. It’s possible that you need the coverage you have, but if you’re like many people who just keep the same policy for years without giving it another thought, it might be time to take a closer look.

If you’ve remained accident-free for a couple of years (Congratulations), you might consider raising the deductible on your collision coverage. Chances are you are on the conscientious side of the driving spectrum and will remain accident-free. Yes, you will be responsible for more money upfront if you do have an accident, but you’ll be saving on a monthly basis by not having to pay for that low deductible.

Think about it: If you haven’t been in an accident lately, you’re essentially paying for coverage that you aren’t using. Though some people like the peace of mind, as that is a difficult factor to quantify. Weigh the pros and cons, and see what is right for you.

Lexus ES: Safety Ratings

Safety ratings are also important because they can help lower your insurance premium. The ES has been given the following scores by the IIHS for crash tests:

  • Front: Good
  • Side: Good
  • Roof: Good
  • Rear: Marginal

The federal government has given this car 3/5 stars. On individual crash tests, the ES scored 4/5 stars on frontal and rollover crash tests and 2/5 stars on side-impact tests.

Lexus ES: Insurance Quotes

Get your own free personalized quote today! Just enter your zip code into our online tool and we’ll get you started.

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