2022 Lexus ES 250 Car Insurance Calculator

Learn and understand how seemingly small changes impact the insurance cost for a 2022 Lexus ES 250. Experiment with options like driver's age, policy discounts, and vehicle trim level to see how rates are affected. Know immediately if your changes have a favorable or unfavorable effect on the rates.

The average estimated car insurance premium for a 2022 Lexus ES 250 is $2,504 per year, or about $209 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

$2,504

Cost Per Month

$209

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 2022 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.

$2,504
Average Rate
Your Rate
$2,504

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.

The 'Average Rate' is a combined value for all 2022 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 2022 Lexus ES 250 is $2,504.

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.

2022 Lexus ES 250 Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 Lexus ES 250 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,968-$536
2Lexus RC 300$2,370-$134
3Mercedes-Benz AMG CLA35$2,424-$80
4BMW i4$2,438-$66
5Cadillac CT5$2,446-$58
6Audi A3$2,472-$32
7Mercedes-Benz AMG CLA45$2,482-$22
8Mercedes-Benz CLA250$2,494-$10
9Lexus ES 250$2,504--
10Lexus IS 300$2,510$6
11Lexus ES 350$2,518$14
12Audi S5$2,596$92
13Audi S4$2,612$108
14BMW 530i$2,650$146
15Lexus ES 300h$2,660$156
16Genesis G80$2,674$170
17Mercedes-Benz E350$2,676$172
18BMW 530e$2,702$198
19BMW 540i$2,708$204
20BMW M440i$2,720$216
21Mercedes-Benz E450$2,732$228
22Audi A6$2,804$300
23Jaguar XF$2,812$308
2022 Midsize Luxury Car Average$2,819$315
24Lexus IS 500$2,846$342
25BMW 430i$2,876$372
26Mercedes-Benz CLS450$2,896$392
27Infiniti Q50$3,008$504
28Audi RS 5$3,040$536
29Mercedes-Benz AMG C43$3,060$556
30Audi S6$3,082$578
31Mercedes-Benz AMG C63$3,156$652
32Audi A7$3,252$748
33BMW M550i$3,282$778
34Lexus LC 500h$3,348$844
35Tesla Model S$3,408$904
36Audi S7$3,526$1,022
37BMW M8$3,656$1,152
38BMW M5$3,696$1,192

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.

2022 ES 250 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Lexus ES 250 Insurance Rates by Trim Level
2022 Lexus ES 250 Trim Level Annual Premium Cost Per Month
AWD Sedan$2,394$200
F Sport AWD$2,508$209
Luxury AWD$2,522$210
Ultra Luxury AWD$2,596$216

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 2022 Lexus ES 250 for different driver ages.

2022 Lexus ES 250 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,033$753
17$8,769$731
18$7,885$657
19$7,155$596
20$5,474$456
21$5,216$435
22$4,671$389
23$3,803$317
24$3,601$300
25$2,914$243
30$2,672$223
35$2,572$214
40$2,504$209
45$2,338$195
50$2,210$184
55$2,066$172
60$2,074$173
65$2,216$185
70$2,396$200
75$2,822$235
80$3,496$291

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.