Lexus ES 250 Car Insurance Rates for 2022

We compare auto insurance rates from the base Lexus ES 250 AWD model to the Ultra Luxury AWD trim to see how average prices compare side-by-side to other midsize luxury cars.

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  • Lexus ES 250 insurance rates average $1,784 per year or $892 for a semi-annual policy, depending on the age of the rated driver.
  • The cheapest 2022 Lexus ES 250 to insure is the base AWD Sedan at $1,706 per year, or about $142 per month.
  • Out of 38 other 2022 model year midsize luxury cars, the ES 250 ranks #9 for insurance cost.

How much does Lexus ES 250 insurance cost?

Expect to pay approximately $1,784 yearly to insure a Lexus ES 250 for full coverage, which is around $149 a month.

Average monthly insurance cost for the Lexus ES 250 ranges from $142 to $154, depending on the trim level being insured. The base AWD Sedan trim with a MSRP of $40,800 is the cheapest model to insure, while the more expensive Ultra Luxury AWD model with a sticker price of $49,980 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 $1,344 per year for a 60-year-old driver with $1,000 physical damage deductibles to the highest cost in the example of $4,186 each year for a 20-year-old with low policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Lexus ES 250 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Lexus ES 250 trim levels.Data last updated on August 5, 2022
Lexus ES 250 Car Insurance Rates
Lexus ES 250 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,010$251
$500$3,580$298
$250$4,186$349
30$1,000$1,574$131
$500$1,888$157
$250$2,218$185
40$1,000$1,496$125
$500$1,784$149
$250$2,086$174
50$1,000$1,368$114
$500$1,628$136
$250$1,898$158
60$1,000$1,344$112
$500$1,600$133
$250$1,866$156

The table below breaks down all the available trim levels for the 2022 model year and the average cost to insure each one.

2022 Lexus ES 250 Insurance Cost by Trim Level
Lexus ES 250 Trim Level Annual Policy 6-month Policy Per Month
AWD Sedan$1,706$853$142
F Sport AWD$1,786$893$149
Luxury AWD$1,796$898$150
Ultra Luxury AWD$1,850$925$154

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Lexus ES 250, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 5, 2022
Lexus ES 250 Insurance Cost by Trim Level

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 $10 less per year than the Lexus ES 350, $106 less than the BMW 530i, and $440 less than the Infiniti Q50.

The Lexus ES 250 ranks #9 out of 38 total comparison vehicles in the 2022 midsize luxury car category for insurance affordability. The ES 250 costs an average of $1,784 per year for full coverage car insurance and the category average car insurance cost is $2,018 annually, a difference of $234 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 38 models in the segment.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Lexus ES 250, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Lexus ES 250 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 5, 2022
Lexus ES 250 vs Top 10 Midsize Luxury Cars Insurance Rate Comparison
Lexus ES 250 Insurance Cost Compared to All Midsize Luxury Cars
Rank Make/Model Insurance Cost Difference
1Acura ILX$1,404-$380
2Lexus RC 300$1,690-$94
3Mercedes-Benz AMG CLA35$1,732-$52
4BMW i4$1,740-$44
5Cadillac CT5$1,744-$40
6Audi A3$1,762-$22
7Mercedes-Benz AMG CLA45$1,770-$14
8Mercedes-Benz CLA250$1,782-$2
9Lexus ES 250$1,784--
10Lexus IS 300$1,786$2
11Lexus ES 350$1,794$10
12Genesis G80$1,832$48
13Audi S5$1,854$70
14BMW 530i$1,890$106
15Lexus ES 300h$1,896$112
16Mercedes-Benz E350$1,908$124
17BMW 530e$1,926$142
18BMW 540i$1,930$146
19Audi S4$1,938$154
20BMW M440i$1,940$156
21Mercedes-Benz E450$1,948$164
22Audi A6$2,000$216
23Jaguar XF$2,006$222
24Lexus IS 500$2,028$244
25BMW 430i$2,050$266
26Mercedes-Benz CLS450$2,064$280
27Audi RS 5$2,166$382
28Mercedes-Benz AMG C43$2,186$402
29Audi S6$2,198$414
30Infiniti Q50$2,224$440
31Mercedes-Benz AMG C63$2,254$470
32BMW M550i$2,340$556
33Audi A7$2,394$610
34Tesla Model S$2,434$650
35Lexus LC 500h$2,464$680
36Audi S7$2,590$806
37BMW M8$2,606$822
38BMW M5$2,636$852