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 $1,772 per year or $886 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 $1,694 per year, or about $141 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 $1,772 yearly to insure a Lexus ES 250 for full coverage, which is around $148 a month.

Average monthly insurance cost for the Lexus ES 250 ranges from $141 to $153, 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 $1,332 per year for a 60-year-old driver with $1,000 physical damage deductibles to the highest cost in the example of $4,152 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 April 14, 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$2,988$249
$500$3,554$296
$250$4,152$346
30$1,000$1,562$130
$500$1,872$156
$250$2,200$183
40$1,000$1,488$124
$500$1,772$148
$250$2,072$173
50$1,000$1,356$113
$500$1,614$135
$250$1,884$157
60$1,000$1,332$111
$500$1,584$132
$250$1,850$154

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$1,694$847$141
F Sport AWD$1,776$888$148
Luxury AWD$1,784$892$149
Ultra Luxury AWD$1,836$918$153

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 February 19, 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 $8 less per year than the Lexus ES 350, $104 less than the BMW 530i, and $432 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 $1,772 per year for full coverage car insurance and the category average car insurance cost is $2,003 annually, a difference of $231 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 March 13, 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$1,392-$380
2Lexus RC 300$1,676-$96
3Mercedes-Benz AMG CLA35$1,716-$56
4BMW i4$1,726-$46
5Cadillac CT5$1,732-$40
6Audi A3$1,750-$22
7Mercedes-Benz AMG CLA45$1,756-$16
8Mercedes-Benz CLA250$1,768-$4
9Lexus ES 250$1,772--
10Lexus IS 300$1,774$2
11Lexus ES 350$1,780$8
12Genesis G80$1,816$44
13Audi S5$1,840$68
14BMW 530i$1,876$104
15Lexus ES 300h$1,882$110
16Mercedes-Benz E350$1,896$124
17BMW 530e$1,912$140
18BMW 540i$1,914$142
19Audi S4$1,924$152
20BMW M440i$1,926$154
21Mercedes-Benz E450$1,932$160
22Audi A6$1,986$214
23Jaguar XF$1,990$218
24Lexus IS 500$2,014$242
25BMW 430i$2,034$262
26Mercedes-Benz CLS450$2,050$278
27Audi RS 5$2,150$378
28Mercedes-Benz AMG C43$2,166$394
29Audi S6$2,182$410
30Infiniti Q50$2,204$432
31Mercedes-Benz AMG C63$2,234$462
32BMW M550i$2,320$548
33Audi A7$2,378$606
34Tesla Model S$2,416$644
35Lexus LC 500h$2,448$676
36Audi S7$2,570$798
37BMW M8$2,586$814
38BMW M5$2,618$846