- Lexus ES 250 insurance rates average $2,534 per year or $1,267 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 $2,424 per year, or about $202 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 $2,534 yearly to insure a Lexus ES 250 for full coverage, which is around $211 a month.
Average monthly insurance cost for the Lexus ES 250 ranges from $202 to $219, 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 $1,742 per year for a 60-year-old driver with $1,000 physical damage deductibles to the highest cost in the example of $5,896 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.
| 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. Updated June 27, 2025
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 $88 more per year than the Lexus ES 350, $314 less than the BMW 530i, and $116 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 $2,534 per year for full coverage car insurance and the category average car insurance cost is $2,874 annually, a difference of $340 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mercedes-Benz CLA250 | $2,410 | -$124 |
| 2 | Lexus IS 300 | $2,414 | -$120 |
| 3 | Lexus ES 350 | $2,446 | -$88 |
| 4 | Mercedes-Benz AMG CLA35 | $2,456 | -$78 |
| 5 | Lexus RC 300 | $2,462 | -$72 |
| 6 | Jaguar XF | $2,476 | -$58 |
| 7 | Cadillac CT5 | $2,526 | -$8 |
| 8 | Lexus ES 250 | $2,534 | -- |
| 9 | Lexus ES 300h | $2,572 | $38 |
| 10 | Audi A3 | $2,634 | $100 |
| 11 | Infiniti Q50 | $2,650 | $116 |
| 12 | Mercedes-Benz AMG CLA45 | $2,682 | $148 |
| 13 | Audi S4 | $2,692 | $158 |
| 14 | Mercedes-Benz EQE 350 | $2,724 | $190 |
| 15 | BMW i4 | $2,734 | $200 |
| 16 | Lexus IS 500 | $2,770 | $236 |
| 17 | BMW 530i | $2,848 | $314 |
| 18 | Audi S5 | $2,890 | $356 |
| 19 | BMW 540i | $2,900 | $366 |
| 20 | BMW 430i | $2,940 | $406 |
| 21 | BMW i5 | $2,960 | $426 |
| 22 | Genesis G80 | $2,976 | $442 |
| 23 | Mercedes-Benz EQE 500 | $3,008 | $474 |
| 24 | Mercedes-Benz AMG C43 | $3,024 | $490 |
| 25 | Audi A6 | $3,036 | $502 |
| 26 | Tesla Model S | $3,070 | $536 |
| 27 | BMW 530e | $3,100 | $566 |
| 28 | Audi RS 5 | $3,106 | $572 |
| 29 | Audi S6 | $3,128 | $594 |
| 30 | BMW M440i | $3,206 | $672 |
| 31 | Audi A7 | $3,268 | $734 |
| 32 | Lexus LC 500h | $3,508 | $974 |
| 33 | Audi S7 | $3,624 | $1,090 |
| 34 | BMW 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 vehicle from the 2024 model year. Updated June 27, 2025