Lexus ES 250 Car Insurance Calculator

Find out how changes to different risk factors affect the cost of insurance for a Lexus ES 250. Experiment with options like policy coverages, liability limits, and deductibles to see how rates are affected. Instantly discover if the option you change results in higher or lower rates and learn why.

The average estimated car insurance premium for a 2024 Lexus ES 250 is $2,534 per year, or about $211 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,534

Cost Per Month

$211

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus ES 250 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Lexus ES 250.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,534
Average Rate
Your Rate
$2,534

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Lexus ES 250.

The 'Average Rate' is a combined value for all Lexus ES 250 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Lexus ES 250 is $2,534.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Lexus ES 250 Segment Comparison

The table below compares insurance rates for the 2024 Lexus ES 250 against all other models in the midsize luxury car segment. The Lexus ES 250 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus ES 250, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus ES 250.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Lexus ES 250 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mercedes-Benz CLA250$2,410-$124
2Lexus IS 300$2,414-$120
3Lexus ES 350$2,446-$88
4Mercedes-Benz AMG CLA35$2,456-$78
5Lexus RC 300$2,462-$72
6Jaguar XF$2,476-$58
7Cadillac CT5$2,526-$8
8Lexus ES 250$2,534--
9Lexus ES 300h$2,572$38
10Audi A3$2,634$100
11Infiniti Q50$2,650$116
12Mercedes-Benz AMG CLA45$2,682$148
13Audi S4$2,692$158
14Mercedes-Benz EQE 350$2,724$190
15BMW i4$2,734$200
16Lexus IS 500$2,770$236
17BMW 530i$2,848$314
2024 Midsize Luxury Car Average$2,874$340
18Audi S5$2,890$356
19BMW 540i$2,900$366
20BMW 430i$2,940$406
21BMW i5$2,960$426
22Genesis G80$2,976$442
23Mercedes-Benz EQE 500$3,008$474
24Mercedes-Benz AMG C43$3,024$490
25Audi A6$3,036$502
26Tesla Model S$3,070$536
27BMW 530e$3,100$566
28Audi RS 5$3,106$572
29Audi S6$3,128$594
30BMW M440i$3,206$672
31Audi A7$3,268$734
32Lexus LC 500h$3,508$974
33Audi S7$3,624$1,090
34BMW M8$3,948$1,414

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 ES 250 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Lexus ES 250.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Lexus ES 250 Insurance Rates by Trim Level
2024 Lexus ES 250 Trim Level Annual Premium Cost Per Month
Base$2,424$202
F Sport Design AWD$2,534$211
Luxury AWD$2,550$213
Ultra Luxury AWD$2,626$219

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Lexus ES 250 for different driver ages.

2024 Lexus ES 250 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,685$724
17$8,455$705
18$7,666$639
19$6,968$581
20$5,384$449
21$5,144$429
22$4,634$386
23$3,807$317
24$3,606$301
25$2,938$245
30$2,712$226
35$2,602$217
40$2,534$211
45$2,364$197
50$2,238$187
55$2,086$174
60$2,092$174
65$2,218$185
70$2,370$198
75$2,752$229
80$3,360$280

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus ES 250 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Lexus ES 250.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Lexus ES 250 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Lexus ES 250$2,534$211
2023 Lexus ES 250$2,472$206
2022 Lexus ES 250$2,504$209

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Lexus ES 250 trim levels for each model year.