Lexus ES 250 Car Insurance Rates for 2023

How much is insurance for a Lexus ES 250?

We scrutinized average insurance rates from the base AWD trim to the Ultra Luxury model to see how insurance for the ES 250 ranks against the entire midsize luxury car segment.

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  • Lexus ES 250 insurance rates average $1,966 per year or $983 for a semi-annual policy, depending on the age of the rated driver.
  • The cheapest 2023 Lexus ES 250 to insure is the base AWD at $1,890 per year, or about $158 per month.
  • Out of 38 other 2023 model year midsize luxury cars, the ES 250 ranks third for insurance cost.

How much does Lexus ES 250 insurance cost?

Expect to pay approximately $1,966 yearly to insure a Lexus ES 250 for full coverage, which is around $164 a month.

Average monthly insurance cost for the Lexus ES 250 ranges from $158 to $169, depending on the trim level being insured. The base AWD trim with a MSRP of $42,990 is the cheapest model to insure, while the more expensive Ultra Luxury model with a sticker price of $51,280 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 $1,478 per year for a 60-year-old driver with $1,000 physical damage deductibles to the highest cost in the example of $4,556 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 2023 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 12, 2023
Lexus ES 250 Car Insurance Rates
2023 Lexus ES 250 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,298$275
$500$3,908$326
$250$4,556$380
30$1,000$1,728$144
$500$2,072$173
$250$2,428$202
40$1,000$1,652$138
$500$1,966$164
$250$2,292$191
50$1,000$1,508$126
$500$1,790$149
$250$2,084$174
60$1,000$1,478$123
$500$1,756$146
$250$2,044$170

The table below breaks down all the available trim levels for the 2023 model year and the average cost to insure each one.

2023 Lexus ES 250 Insurance Cost by Trim Level
Lexus ES 250 Trim Level Annual Policy Six-Month Policy Per Month
Base AWD$1,890$945$158
F Sport Design$1,966$983$164
Luxury$1,974$987$165
Ultra Luxury$2,030$1,015$169

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 12, 2023
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 $14 more per year than the Lexus ES 350, $214 less than the BMW 530i, and $560 less than the Infiniti Q50.

The Lexus ES 250 ranks third out of 38 total comparison vehicles in the 2023 midsize luxury car category for insurance affordability. The ES 250 costs an average of $1,966 per year for full coverage car insurance and the category average car insurance cost is $2,302 annually, a difference of $336 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 2023 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 12, 2023
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
1Cadillac CT5$1,948-$18
2Lexus ES 350$1,952-$14
3Lexus ES 250$1,966--
4Lexus RC 300$1,970$4
5Mercedes-Benz AMG CLA35$1,974$8
6Audi A3$1,980$14
7Mercedes-Benz AMG CLA45$2,018$52
8Mercedes-Benz CLA250$2,032$66
9Lexus IS 300$2,040$74
10Jaguar XF$2,042$76
11Audi S4$2,084$118
12BMW i4$2,096$130
13Mercedes-Benz E350$2,110$144
14Lexus ES 300h$2,138$172
15BMW 530i$2,180$214
16Audi A6$2,222$256
17Audi S5$2,226$260
18BMW 540i$2,230$264
19BMW 430i$2,266$300
20Lexus IS 500$2,272$306
21Mercedes-Benz E450$2,292$326
22Genesis G80$2,298$332
23Mercedes-Benz CLS450$2,358$392
24Mercedes-Benz EQE 350$2,374$408
25Audi RS 5$2,380$414
26BMW 530e$2,396$430
27Audi S6$2,416$450
28Mercedes-Benz AMG C43$2,420$454
29BMW M440i$2,424$458
30Mercedes-Benz EQE 500$2,428$462
31Audi A7$2,522$556
32Infiniti Q50$2,526$560
33Lexus LC 500h$2,710$744
34BMW M550i$2,714$748
35Tesla Model S$2,778$812
36Audi S7$2,796$830
37BMW M5$2,876$910
38BMW M8$3,034$1,068