2023 Lexus ES 250 Car Insurance Calculator

Discover and learn how changing risk factors impact the insurance cost for a 2023 Lexus ES 250. Customize coverage amounts, annual mileage, vehicle usage, and driver gender to learn how each affects rates. Get instant feedback how the choices you make impact rates.

The average estimated car insurance premium for a 2023 Lexus ES 250 is $2,472 per year, or about $206 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

$2,472

Cost Per Month

$206

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 2023 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.

$2,472
Average Rate
Your Rate
$2,472

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 2023 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 2023 Lexus ES 250 is $2,472.

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.

2023 Lexus ES 250 Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Lexus ES 250 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CT5$2,450-$22
2Lexus ES 350$2,460-$12
3Lexus ES 250$2,472--
4Lexus RC 300$2,482$10
5Mercedes-Benz AMG CLA35$2,488$16
6Audi A3$2,492$20
7Mercedes-Benz AMG CLA45$2,546$74
8Mercedes-Benz CLA250$2,554$82
9Lexus IS 300$2,568$96
10Jaguar XF$2,578$106
11Audi S4$2,628$156
12BMW i4$2,636$164
13Mercedes-Benz E350$2,654$182
14Lexus ES 300h$2,690$218
15BMW 530i$2,742$270
16Audi A6$2,798$326
17Audi S5$2,802$330
18BMW 540i$2,808$336
19BMW 430i$2,856$384
20Lexus IS 500$2,858$386
21Mercedes-Benz E450$2,886$414
22Genesis G80$2,892$420
2023 Midsize Luxury Car Average$2,899$427
23Mercedes-Benz CLS450$2,968$496
24Mercedes-Benz EQE 350$2,988$516
25Audi RS 5$2,996$524
26BMW 530e$3,014$542
27Audi S6$3,044$572
28Mercedes-Benz AMG C43$3,048$576
29BMW M440i$3,052$580
30Mercedes-Benz EQE 500$3,056$584
31Audi A7$3,176$704
32Infiniti Q50$3,180$708
33Lexus LC 500h$3,414$942
34BMW M550i$3,420$948
35Tesla Model S$3,498$1,026
36Audi S7$3,520$1,048
37BMW M5$3,624$1,152
38BMW M8$3,824$1,352

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.

2023 ES 250 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Lexus ES 250 Insurance Rates by Trim Level
2023 Lexus ES 250 Trim Level Annual Premium Cost Per Month
Base AWD$2,378$198
F Sport Design$2,472$206
Luxury$2,484$207
Ultra Luxury$2,552$213

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 2023 Lexus ES 250 for different driver ages.

2023 Lexus ES 250 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,795$733
17$8,529$711
18$7,656$638
19$6,967$581
20$5,340$445
21$5,095$425
22$4,565$380
23$3,743$312
24$3,538$295
25$2,872$239
30$2,634$220
35$2,538$212
40$2,472$206
45$2,308$192
50$2,186$182
55$2,040$170
60$2,046$171
65$2,180$182
70$2,356$196
75$2,768$231
80$3,412$284

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.