Best Car Insurance for Lexus 2022

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Lexus car is a household name when it comes to motor insurance. As one of the UK's best loved premium car brands, they've spent years striving to set the standard in quality, reliability and exclusivity. When you drive a Lexus, you're driving a car that is built to provide an exciting driving experience.

Here's what drivers pay when they switch with Carlay

Carlay customers are happy because they saved money on their Lexu insurance.

Quote Date Car City, State Zip Code Age Carrier BeforeCarlay AfterCarlay
March 27, 2021 Lexus GS 350 Houston, TX 77047 54 Mercury $200/mo. $98/mo.
March 25, 2021 Lexus IS 250 Norwalk, CT 06854 24 Allstate $325/mo. $178/mo.
September 3, 2021 Lexus RX 350 Base Helotes, TX 78023 22 Progressive $280/mo. $191/mo.
June 5, 2021 Lexus RX 350 Base Statesboro, GA 30458 24 Assurance America $298/mo. $216/mo.
June 23, 2021 Lexus IS 200T Los Angeles, CA 90061 26 Progressive $250/mo. $225/mo.

Best insurance carriers for your Lexus

Do your friends pay less for car insurance? It's probably because of their zip code. Car insurance companies consider your location, driving history, and many other factors when determining their rates. Since no two companies weigh these factors exactly the same, rates can vary wildly from company to company. The most affordable insurer for Lexus is Commonwealth Insurance, with annual premiums as low as $859.

Other popular Lexus auto insurance providers are as follows:

Nationwide is a well known and trusted provider of auto insurance. They have offered coverage to drivers across the nation since 1930, helping families stay protected and connected. Nationwide's impressive online platform, mobile app, and website earn it a 4.6/5 rating on Carlay. The company has designed its website to be easy to navigate, whether you're using a computer or your smartphone.

Progressive offers auto and home insurance, as well as life and health coverage. Its comprehensive policies often come with discounts for money-saving options like a safe driving course, a security system and even having your house professionally cleaned. Progressive is known for its financial strength and numerous coverage options at competitive rates. As an established carrier, it gets a solid 4.6/5 rating from Carlay!

Kemper is an insurance company for people who were turned down by other companies. Many high-risk drivers can find affordable coverage with Kemper, even if they have SR22 forms or salvage titles on their vehicles. Kemper is the second largest personal lines insurance company in the United States, and agents are available nationwide to provide you with great service and rates. Carlay rates Kemper a 4.3 out of 5.

Safeco offers a wide range of options for drivers who are looking for insurance. Safeco tends to be an affordable option, especially for younger drivers. It also has a claims-free cashback program, which rewards you with a small refund for every six months that you stay claims-free. Carlay gives Safeco a 4.5/5 rating because of the company's stellar benefits.

Allstate is one of the largest auto insurance carriers in the country. They offer a wide range of policies, discounts and coverage options to meet almost any situation or budget. Their website is easy to navigate and offers an online tool which allows you to rate your car and see what kind of monthly premium you'll pay for full coverage. Carlay gives Allstate a 4.5/5 rating.

Travelers has some attractive add-on packages for drivers, including roadside assistance, rental car reimbursement, accident forgiveness, new car coverage, and gap coverage. It also offers a number of great discounts, such as savings for being a safe driver and a good student. Carlay rates Travelers a stellar 4.7/5.

With State Auto, you can get coverage at an affordable price. With protection and easy online claim filing, you will be able to get what you need fast with no money down. With competitive rates and more options than ever, it's time to take control of your budget. State Auto gets 4.1 out of 5 stars from Carlay.

National General offers reliable auto insurance for high-risk drivers. It is the company to consider if you need nonstandard insurance because of a bad driving record or another high-risk factor. If it's not a good fit, remember that you have the option to switch your policy after six months and get up to $250 back in the process! Carlay gives National General 4.1 out of 5 stars.

Dairyland is one of the leading auto insurers, offering coverage in almost 40 states. Its flexible payment plans and 24/7 live claims support make it easy to get a low premium when you have a good driving record. You can also enjoy free online quotes on its site. Carlay gives Dairyland 4.6 out of 5 stars.

Clearcover offers a host of affordable, innovative features: driveaway coverage that lets you insure a brand new car right up until you take it off the lot, and 24/7 roadside assistance. And if you have an accident and need to file a claim? Simply snap photos of the damage using the mobile app and send them to us in seconds. There's no faster or easier way to get back on the road again. Clearcover's rating by Carlay is 4.1 out of 5.

When shopping for auto insurance, there are a lot of factors that are taken into account to see if you qualify for a policy. Age, car model, and location are just a few examples. The best way to find out what your premium will be is to get quotes from multiple insurers.

The most comprehensive coverage does not necessarily mean the most expensive, but it does help to know what you are doing when you look at car insurance quotes. There are a lot of different factors that go into figuring out what kind of coverage you need and how much you can expect to pay for it.

Car insurance is a necessity for everyone, but it can be time-consuming to research each individual quote. When you want car insurance, you don't want to spend all day filling out forms.

If you're looking for car insurance, Carlay is here to help. Search through rates, plans, and discounts from multiple companies to find the car insurance plan that works best for you. You've got enough on your plate. That's why Carlay goes beyond just keeping you safe. It helps with the little things, like paperwork and phone calls, to keep you covered fast. And since Carlay reviews your coverage every 6 months, you can be sure that you're always getting the best deal on exactly what you need.

Here's how much they saved by switching to Carlay:

Rank Company name Avg. Annual Premium
1 Commonwealth Insurance $859.20
2 Aspire Advantage $1,294.59
3 Mapfre $1,429.89
4 Assurance America $1,572
5 Kemper $1,849.85

Insurance rates can vary between carriers. With Carlay, you can compare rates from multiple companies to find the best premium for the coverage you need.

Cost of insuring a Lexus

For minimum coverage, the average annual insurance premium for a Lexus is $1,887. For full coverage, that figure rises to $2,871. The average annual insurance premium in the US for a minimum car insurance policy is $1,783 and for a full-coverage policy it is $2,485.

The cost of your insurance premium for your Lexus depends upon the coverage you buy. Each state has its own minimum insurance requirements that you must meet before getting behind the wheel.

The following types of insurance may be required by your state:

Coverage type Protection offered
Bodily injury liability (per person and per accident) Pays for the costs associated with the injuries you've caused to others
Property damage liability (per accident) Pays for the costs associated with damage you cause to other people's vehicles or property
Uninsured motorist protection (per person and per accident) Applies when a car accident isn't your fault but the at-fault driver doesn't have liability insurance to pay for your injuries or property damage
Underinsured motorist protection (per person and per accident) Applies when the at-fault driver has liability insurance, but it isn't enough to cover your injuries or property damage
Personal injury protection (per person and per accident) Pays for your own medical expenses after a car accident

Basic coverage is the minimum amount of car insurance required by your state. However, you may want to purchase extra protection because it provides added security. Did you know the average person will end up paying thousands of dollars for medical bills and vehicle repair costs when in an accident? If you caused the accident, it can cost even more.

If you lease or finance your Lexus, towing and rental car reimbursement coverage may be included in the cost of your lease or loan. It's also a good idea to buy full-coverage insurance on your car, especially if you can't afford to replace it in the event of an accident or other total loss.

Full coverage refers to policies that include collision insurance and comprehensive insurance, as well as liability insurance, which is required by law.

Coverage type Protection offered
Collision Applies if you get into a collision with someone else's vehicle or an object
Comprehensive Applies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism

Here's how much you might save by switching to full coverage with Carlay before and after switching to minimum coverage.

All Coverage BeforeCarlay All Coverage AfterCarlay Minimum Coverage BeforeCarlay Minimum Coverage AfterCarlay Full Coverage BeforeCarlay Full Coverage AfterCarlay
Lexus $2,657 $1,674 $2,439 $1,356 $4,739 $1,973
All Coverage BeforeCarlay $2,657
All Coverage AfterCarlay $1,674
Minimum Coverage BeforeCarlay $2,439
Minimum Coverage AfterCarlay $1,356
Full Coverage BeforeCarlay $4,739
Full Coverage AfterCarlay $1,973

The more experience you have behind the wheel, the less likely you are to get into an accident. The same goes for drivers who are below 25 years old or above 65 years old. Drivers in their late teens and early 20s tend to be more involved in car accidents than older drivers because they're less likely to be cautious. Those who have been driving for a long time usually pay less for their car insurance because they are considered low-risk drivers.

While there are several factors that impact car insurance rates, traffic violations can have a large effect on how much you pay. Speeding and failing to stop are usually considered minor violations, but charges like driving under the influence (DUI) and careless driving are serious and can cause your insurance premium to skyrocket. But don't worry. The good news is that Maintaining a good driving record will eventually lead to lower insurance rates.

Let's look at how Lexus car insurance rates are affected by accidents and violations in different age groups:

The price that you'll pay for auto insurance depends on factors like your driving record, past claims, and the coverage that you want.

If you own a Lexus, your insurance company will know what type of Lexus you drive. The cost may be different for each model. Generally, the more expensive your car, the higher its insurance premiums will be.

Carlay will help you find an insurance plan that fits your budget, regardless of what type of car you drive. It takes just 15 seconds to set up an account on Carlay. Simply download the app, answer a few questions, and you're all set.

Carlay Insurance can help you choose from competitive quotes from up to 45 top insurance companies. Carlay secures your new policy and cancel your old one so you don't have to lift a finger.

Below are links to resources with information on insurance costs for various car makes:

The more expensive your car, the higher your insurance usually is. But don't worry-- there are plenty of ways to get lower car insurance rates without sacrificing coverage or quality service.

Most and least expensive years of car

Depreciation means a Lexus' value decreases with age, so older models are often less expensive to insure than newer ones. According to Edmunds, a new car loses 23.5% of its value after the first year and 60% of its value in the first five years, so you can expect to lose a lot of money if you buy a new car. As cars get older and less valuable, the cost of repairing or replacing them decreases, thus saving you money on your insurance premiums.

If you're driving an older car, you might want to save money and go with the minimum insurance. However, if you are buying a new car, you will have a higher monthly auto payment. Whether it is purchased or leased, you might have to get full coverage so that the vehicle is protected.

According to statistics complied by Carlay, the cheapest years for Lexus vehicles are 1996 and 1991. The most expensive years for Lexus vehicles are 2015 and 2017.

Year Average Cost Annual Savings withCarlay
2021 $5,672 $3,612 Compare Prices
2020 $3,434 $1,028 Compare Prices
2019 $3,589 $1,404 Compare Prices
2018 $3,981 $1,466 Compare Prices
2017 $3,729 $989 Compare Prices
2016 $2,900 $783 Compare Prices
2015 $6,052 $2,350 Compare Prices
2014 $3,398 $1,017 Compare Prices
2013 $3,007 $1,004 Compare Prices
2012 $2,988 $1,002 Compare Prices
2011 $3,322 $1,181 Compare Prices
2010 $2,873 $1,031 Compare Prices
2009 $3,906 $1,518 Compare Prices
2008 $4,117 $1,472 Compare Prices
2007 $2,597 $1,056 Compare Prices
2006 $2,275 $592 Compare Prices
2005 $2,591 $850 Compare Prices
2004 $3,449 $1,608 Compare Prices
2003 $2,054 $720 Compare Prices
2002 $2,905 $813 Compare Prices
2001 $2,517 $693 Compare Prices
2000 $2,338 $804 Compare Prices
1999 $2,779 $1,059 Compare Prices
1998 $2,419 $932 Compare Prices
1997 $1,950 $743 Compare Prices
1996 $1,705 $749 Compare Prices
1995 $1,785 $407 Compare Prices
1994 $1,231 $177 Compare Prices
1993 $1,824 $290 Compare Prices
1992 $3,000 $1,500 Compare Prices

Older Lexus vehicles are typically less expensive to repair or replace than newer ones, and may not be leased or financed. This translates into lower insurance rates for those cars.

You can expect to pay different insurance premiums depending on where you live. Different areas have different accident, crime, and natural disaster rates—which means premiums can vary even within the same state or county. Insurance companies calculate how risky it is to insure you by considering factors such as how many car thefts, collisions, or severe weather events happen in your city.

Our data shows that a large number of Lexus drivers live in the following cities: Somerset (NJ), Jacksonville (FL), Atlanta (GA), San Francisco (CA) and Dallas (TX). If you live in Danielsville (GA) or Saint Charles (IL), you can find the most affordable Lexus for Carlay car insurance. The most expensive Lexus for Carlay car insurance can be found in Cambria Heights (NY) and La Grange (NC).

City Average Cost Annual Savings withCarlay
Alexandria $4,668 $2,291 Compare Prices
Atlanta $3,308 $865 Compare Prices
Beach City $2,400 $316 Compare Prices
Charlotte $2,856 $1,076 Compare Prices
Chicago $4,577 $1,052 Compare Prices
Dallas $3,190 $664 Compare Prices
Los Angeles $3,719 $1,297 Compare Prices
San Francisco $8,559 $4,477 Compare Prices
Silver Spring $3,701 $1,221 Compare Prices
Somerset $7,800 $5,794 Compare Prices

If you live in an area that has frequent car thefts or collisions, or severe weather like hail and hurricanes, you may pay more for car insurance.