Ultimate Guide to Insuring a Lexus ES 250: 2025 Edition

• Lexus ES 250 insurance rates average $2,596 per year or $1,298 for a semi-annual policy, depending on the age of the rated driver.
• The cheapest 2024 Lexus ES 250 to insure is the base at $2,482 per year, or about $207 per month.
• Out of 34 other 2024 model year midsize luxury cars, the ES 250 ranks eighth for insurance cost.

How much does Lexus ES 250 insurance cost?

Expect to pay approximately $2,596 yearly to insure a Lexus ES 250 for full coverage, which is around $216 a month.

Average monthly insurance cost for the Lexus ES 250 ranges from $207 to $224, depending on the trim level being insured. The base trim with a MSRP of $43,190 is the cheapest model to insure, while the more expensive Ultra Luxury AWD model with a sticker price of $52,080 costs the most to insure.

The rate chart below demonstrates how ES 250 car insurance rates can differ with differences in driver age and $250, $500, and $1,000 deductibles. Insurance cost averages range from the lowest price of $1,784 per year for a 60-year-old driver with $1,000 physical damage deductibles to the highest cost in the example of $6,038 each year for a 20-year-old with low policy deductibles.

The table below breaks down all the available trim levels for the 2024 model year and the average cost to insure each one.

Is a Lexus ES 250 expensive to insure?

When compared side-by-side to other popular midsize luxury cars, average car insurance prices for a Lexus ES 250 are $90 more per year than the Lexus ES 350, $320 less than the BMW 530i, and $120 less than the Infiniti Q50.

The Lexus ES 250 ranks eighth out of 34 total comparison vehicles in the 2024 midsize luxury car category for insurance affordability. The ES 250 costs an average of $2,596 per year for full coverage car insurance and the category average car insurance cost is $2,944 annually, a difference of $348 per year.

The following chart shows how well ES 250 insurance rates compare to the most popular midsize luxury models like the Audi A6, Acura ILX, and the Mercedes-Benz CLA250. In addition to the chart, a larger table is included that ranks insurance cost for all 34 models in the segment.